Servis One, Inc., Titusville, PA Branch CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/29/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 95076	Web
The Bank-Lender and/or Successor ( s ) in the Mortgage and Note on the real property at XXXX XXXX XXXX XXXX XXXX, CA XXXX remained silent when Administrative Arbitration Documents were sent regarding their lack of authority to Foreclose on the subject real property. Deed of Trust recorded XX/XX/XXXX in XXXX County, California Document # XXXX on MIN # XXXX, has serious discrepancies in legal language to bind anyone to a mortgage contract with XXXX XXXX XXXX, XXXX XXXX XXXX and/or its Successor ( s ). To Wit : The Note which precedes the deed of trust says : In return for a loan I have received, I promise to pay U.S. {$370000.00} ( this amount is called Principal plus interest to the order of the Lender. [ emphasis bold, mine ] However no money changed hands at the time of the alleged loan above. The Note was securitized later, roughly assumed to happen ( 5 ) days later and deposited by the Bank as an asset. Therefore the above language at the first paragraph of the original Note invalidates any mortgage agreement for being chronologically false. Fraud in the language above invalidates any Foreclosure occurring against the real property. Further evidence that is lacking is that under XXXX8 USCA 1813 ( L ) ( 4 ) the Lender must issue a receipt for the promissory note deposited. It is asserted there will be no evidence forthcoming of such mandatory receipt in the entirety of the Defendant ( s ) possession. One of the reasons this evidence is likely hidden is that the " borrower '' is the Originator under UCC 4A-104, and only the Note signatory is the Originator. This means Trover is an ongoing Enterprise in this Case whereupon the Bank-Lender and/or its Successors are attempting Conversion Theft. Under the BORROWER COVENANTS section of the Deed of Trust Agreement of XX/XX/XXXX,, there were no encumbrances of record as no money changed hands XX/XX/XXXX, There was no loan given by the Bank-Lender pursuant to 12 CFR 223.14, no collateral deposit was made by the Bank either on XX/XX/XXXX, and therefore the language of the Mortgage Agreement and its chronology is fraudulent. The Plaintiff and/or its Successors have not met their burden of proof in evidence to sustain a foreclosure on the real property. In addition to several demands for the Bank-Lender and/or its Successors to show proof of authority, and standing, to Foreclose upon the alleged " Borrowers '' the Administrative Letters regarding Arbitration also showed an interest by U.S.Senate Report by the U.S. Government on all Mortgages since the Bankruptcy of 1933. The recipients of the Administrative Arbitration Documents also Defaulted by remaining silent on the U.S. Govt 's interest in the mortgages and land 's mortgaged in this country in reference to the Admin. Arbitration documents mailed by certified u.s. postal. Though the Law Firm ( s ) involved claim they did not have to respond to the alleged Borrower 's Administrative Arbitration documents, mailed, their silence to the step by step mailings leading to an Administrative Arbitration Award due to their silence prompts this Claimant to expose the Bank ( s ) and/or its Successor ( s ) to the clear Fraud they are perpetrating in collecting an alleged debt they have no verified loan in existence to prove there was anything more than a credit extension, and it is illegal to loan credit. ( see ) 12 CFR 223.14. The Notice of Intent to file a Complaint in the Court for Enforcement of the Arbitration Award, to the opposition 's silence follows and at least one Law Firm involved so far claims the Administrative process used is nonsensical. However, Arbitration does not have to proceed through the courts alone. Therefore the Petitioner ( s ) herein state they are entitled to the Administrative Arbitration Award, and that matter ( s ) expressed in the Arbitration document ( s ) show that the Foreclosure Process is an entire Sham and a Cease & Desist of all forward movement has to occur or criminal charges regarding Indentured Servitude and Extortion to name a couple charges available may be filed against the opposition and their lawyer ( s ) who are also liable for continuing a criminal enterprise in defacto debt collection ( s ). The Notice of Default and Notice of Intent submitted by these claimant ( s ) follows : FROM : XXXX XXXX XXXX, a living man XXXX XXXX XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XXXX XXXX, President CEO, BSI Financial Services XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX East XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX NOTICE OF ADMINISTRATIVE DEFAULT & NOTICE OF INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The above claimant ( s ) filed Administrative Arbitration documents to the above Respondents who are attempting to foreclose on property owned by the Petitioner ( s ). Due to the silence of the Respondents to answer the Arbitration documents submitted to them the Respondents may think that Enforcement is not forthcoming as they did not expressly agree to Arbitration. The Petitioner does not need to form an agreement to Arbitrate as the Respondents have past claimed they have standing to represent their client ( s ) and/or litigate a Mortgage agreement that they either are party to or have been assigned on, or purchased as a Debt Collection Law Firm. Maritime Transactions, as herein defined, means charter parties, bills of lading of water carriers, agreements relating to wharfage, supplies furnished vessels or repairs to vessels, collisions, or any other matters in foreign commerce which, if the subject of controversy, would be embraced within admiralty jurisdiction commerce, as herein defined, means commerce among the several States or with foreign nations, or in any Territory of the United States or in the District of Columbia, or between any such Territory and another, or between any such Territory and any State or foreign nation, or between the District of Columbia and any State or Territory or foreign nation, but nothing herein contained shall apply to contracts of employment of seamen, railroad employees, or any other class of workers engaged in foreign or interstate commerce. ( see ) 9 U.S.C. 1. .. In regards to Foreign or Interstate Commerce : Public Law 89-485 XX/XX/XXXX AN ACT to amend the Bank Holding Company Act of 1956. SEC. 3 " Bank ' means any institution that accepts deposits that the depositor has a legal right to withdraw on demand, but shall not include any organization operating under section 25 or section 25 ( a ) of the Federal Reserve Act, or any organization that does not do business within the United States. SEC. 6. " ( h ) The application of this Act and of section 23A of the Federal Reserve Act ( 12 U.S.C. 371 ), as amended, shall not be affected by the fact that a transaction takes place wholly or partly outside the United States or that a company is organized or operates outside the United States : SEC. 12. ( a ) Section 23A of the Federal Reserve Act, as amended ( loans to affiliates ) ( 12 U.S.C. 371c ) ... Again at Title 9 U.S.C. : A written provision in any maritime transaction or a contract evidencing a transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such a contract, transaction, or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract. ( see ) 9 U.S.C. 2. THE APPLICABLE DEED OF TRUST The Deed of Trust recorded XX/XX/XXXX, in the County of XXXX XXXX, at page ( 9 ) of ( 13 ) says at section ( 16 ) Governing Law ; Severability ; Rules of Construction : .All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract ... PLEASE TAKE NOTICE AND RESPOND ACCORDINGLY OPPOSITION TO ARBITRATION COSTS THE COURT California Civil Procedure 1775. The Legislature finds and declares that : ( a ) The peaceful resolution of disputes in a fair, timely, appropriate, and cost-effective manner is an essential function of the judicial branch of state government under Article VI of the California Constitution. ( b ) In the case of many disputes, litigation culminating in a trial is costly, time consuming, and stressful for the parties involved. Many disputes can be resolved in a fair and equitable manner through less formal processes. ( c ) Alternative processes for reducing the cost, time, and stress of dispute resolution, such as mediation, have been effectively used in California and elsewhere. In appropriate cases mediation provides parties with a simplified and economical procedure for obtaining prompt and equitable resolution of their disputes and a greater opportunity to participate directly in resolving these disputes. Mediation may also assist to reduce the backlog of cases burdening the judicial system. It is in the public interest for mediation to be encouraged and used where appropriate by the courts. ( d ) Mediation and similar alternative processes can have the greatest benefit for the parties in a civil action when used early, before substantial discovery and other litigation costs have been incurred. Where appropriate, participants in disputes should be encouraged to utilize mediation and other alternatives to trial for resolving their differences in the early stages of a civil action. ( e ) As a pilot project in XXXX XXXX County and in other counties which elect to apply this title, courts should be able to refer cases to appropriate dispute resolution processes such as judicial arbitration and mediation as an alternative to trial, consistent with the parties right to obtain a trial if a dispute is not resolved through an alternative process. ( f ) The purpose of this title is to encourage the use of court-annexed alternative dispute resolution methods in general, and mediation in particular. It is estimated that the average cost to the court for processing a civil case of the kind described in Section 1775.3 through judgment is XXXX XXXX XXXX XXXX XXXX dollars ( {$3900.00} ) for each judge day, and that a substantial portion of this cost can be saved if these cases are resolved before trial. ( emphasis bold, italics, Petitioner ) The Judicial Council, through the Administrative Office of the Courts, shall conduct a survey to determine the number of cases resolved by alternative dispute resolution authorized by this title, and shall estimate the resulting savings realized by the courts and the parties. The results of the survey shall be included in the report submitted pursuant to Section 1775.14. The programs authorized by this title shall be deemed successful if they result in estimated savings of at least XXXX XXXX XXXX XXXX dollars ( {$250000.00} ) to the courts and corresponding savings to the parties. ( Added by Stats. 1993, Ch. 1261, Sec. 4. Effective XX/XX/XXXX. CA Civ. Proc. Sec. 1775 ( California Code ( 2019 Edition ) ) ARBITRATION IS COMMENCED UPON THE FOLLOWING : 1 ) Adhoc by a demand to arbitrate. 2 ) Institutional - very similar to a demand to arbitrate, addressed to the institution ; called a Request for Arbitration or Notice of Arbitration. Party-Autonomy to choose the method of Arbitration or Alternative Dispute Resolution General policies. It is the policy of most States to actively promote the use of various modes of ADR and to respect party autonomy or the freedom of the parties to make their own arrangements in the resolution of disputes with the greatest cooperation of and the least intervention from the courts. To this end, the objectives of the States ADR Rules are to encourage and promote the use of ADR, particularly arbitration and mediation, as an important means to achieve speedy and efficient resolution of disputes, impartial justice, curb a litigious culture and to de-clog court dockets. Declaration of Policy -To actively promote party autonomy in the resolution of disputes or the freedom of the parties to make their own arrangements to resolve their disputes -To encourage and actively promote the use of ADR to achieve speedy and impartial justice & de-clog court dockets Any party to an arbitration may request the court to act as an Appointing Authority in the instances specified in the Arbitration mailings made in this situation. In the event that one party defaults in answering the demand, the aggrieved party may file with the Clerk of the Court of First Instance having jurisdiction over the parties, a copy of the demand for arbitration under the contract to arbitrate, with a notice that the original demand was sent by registered mail or delivered in person to the party against whom the claim is asserted. Such demand shall set forth the nature of the controversy, the amount involved, if any, and the relief sought, and shall be accompanied by a true copy of the contract providing for arbitration. " Early Neutral Evaluation '' means an ADR process wherein parties and their lawyers are brought together early in a pre-trial phase to present summaries of their cases and receive a nonbinding assessment by an experienced, neutral person, with expertise in the subject in the substance of the dispute. California Civil Procedure 1281.6 : If the arbitration agreement provides a method of appointing an arbitrator, that method shall be followed. If the arbitration agreement does not provide a method for appointing an arbitrator, the parties to the agreement who seek arbitration and against whom arbitration is sought may agree on a method of appointing an arbitrator and that method shall be followed. In the absence of an agreed method, or if the agreed method fails or for any reason can not be followed, or when an arbitrator appointed fails to act and his or her successor has not been appointed, the court, on petition of a party to the arbitration agreement, shall appoint the arbitrator. CA Civ. Proc. Sec. 1281.6 ( California Code ( 2019 Edition ) ). NOTICE OF DEFAULT IS PROPER The Petitioners mailings to all party ( s ) who claim standing have finished out and the Petitioner is entitled to Enforcement. Failure of the Respondents to answer is merely confirmation that the Court will not look favorably on the excessive costs that may now be incurred to litigate the necessary points and authorities that have already been made in the administrative mailings sent by the Petitioner. INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The Respondent ( s ) have not offered to Settle out of Court as they have not answered any of the Administrative mailings for Arbitration this Petitioner has sent by registered or certified mail. The Respondents have ( 10 ) days from the date of this letter to respond or Court Enforcement will be commenced to the dismay of the already clogged up State Courts. TITLE 9 UNITED STATES CODE A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. ( ref ) 9 U.S.C. 4. I LOOK FORWARD TO YOUR REPLY TO THIS NOTICE OF INTENT. Thank you for your assistance in this matter, Respectfully, _________________________ XXXX XXXX XXXX XXXX Dispute Resolution or Arbitration Determination or Conclusory Documents were also sent to : XXXX XXXX RECORDERS OFFICE, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, CALIFORNIA STATE ATTORNEY GENERA, XXXX XXXX, Attorney General, XXXX. XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, US DEPARTMENT OF JUSTICE, ATTORNEY GENERAL, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Phone ( XXXX ) XXXX, Attentively, XXXX XXXX XXXX
06/28/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92335	Web
On XXXX XXXX XXXX. I went to the XXXX XXXX XXXX XXXX website to view foreclosure sale information about my home. Once I arrived at the site, It stated that my property was to be sold the following day, XXXX XXXX XXXX. After reviewing the information, I called my loan servicer, XXXX XXXX and asked to speak to my account manager, XXXX XXXX. I was told that XXXX wasnt available and was asked if I needed help by the person who answered my call. That person was XXXX XXXX. XXXX XXXX told me that she was an account specialist and worked in the Loss Mitigation Dept. with XXXX XXXX. I told her that I had visited the XXXX XXXX website and that it said my property was up for sale the following day. I asked her if the website was correct and was my home going to be put up for auction on the XX/XX/XXXX? She said no. According to her records, XXXX had received my request for a Modification and that they had received a complete package. She also said she, nor XXXX needed any further documents from me. She told me that because I was under review for a modification, that the sale had been place on hold, and my property will not be put up for auction the following day. XXXX also said that according to California state law, no property can be sold while under review for a modification, that my Loss Mitigation Package was currently being reviewed by the underwriter, and according to California state law, even if my request for an appeal is denied, XXXX has to send me a denial letter and give me 30 days to appeal their decision. If XXXX denies my appeal, they have to send me an appeal denial letter before my property can be placed back up for auction. I asked XXXX several more times throughout our 9 minute and 54 sec. long conversation, XXXX, are you 100 % sure that my property will not go to auction tomorrow, XX/XX/XXXX? She assured me that their was no chance of my property being put up for auction because in her system their was no sale date attached to my property and that the sale had been placed on hold. She told me the only reason XXXX XXXX had a sale date of XX/XX/XXXX showing on their website was because their system was slow and she had access to the most up to date information regarding my property. I even asked XXXX directly, If XXXX denies my request for a modification today XX/XX/XXXX, are you saying you still cant sell my home tomorrow because you have to give me time to appeal and resubmit documents? XXXX said yes, that is correct. Her exact words were We cant place your property back on the market while you are in the appeals process. We have to give you 30 days to appeal, we have to review your appeal, and we have to send you an answer back before we can place your property back on the market because you are in the state of California. And just because I wanted to make very sure that I was understanding her correctly, I asked once more before our conversation ended, XXXX, are you sure my property will not go to auction tomorrow? Her answers was, No your property will not go to auction tomorrow because its under review and it has been placed on hold. She said maybe it would go to auction if there werent a hold placed on the account, but there is, so you have nothing to worry about. I asked if I could get a printed document that says the sale has been placed on hold? She said, no, but dont worry, your home will not be put up for auction tomorrow. At about XXXX on XX/XX/XXXX., the day after I spoke with XXXX XXXX , I checked the XXXX XXXX XXXX XXXX website to see if there had been any changes in regards to my account being placed on hold. To my surprise, upon reviewing the site, I noticed that it had been updated to now include an opening bid amount for my home and the time in which the sale would start ( XXXX pst. ) I immediately called XXXX and requested to speak with my account manager, XXXX XXXX. I was told she was in a meeting. I then requested to speak with her supervisor, I was told he was in a meeting as well. I told the person who answered my call ( I didnt get her name ) about the previous conversation I had with XXXX the day before. I told her that the website had gone from saying Scheduled sale date XX/XX/XXXX to listing an opening bid amount and a time in which the sale would take place. She said The hold on your property has been removed and the request for modification was closed out today. I asked if my property would in fact be put up for auction? She said she couldnt give me that information because she was in a different department and didnt have access to those notes. I asked to speak with her supervisor and she told me that he wouldnt be able to help me either. I asked to speak with her supervisor again and she placed me on hold. After being on hold for a very long time, I was transferred to someone named XXXX XXXX. He said he was a Manager in the corporate office in XXXX Texas. I explained to XXXX, my conversation with XXXX and that the woman who transferred me to him said the hold was removed and I was no longer under consideration for a modification. I told him I needed to know if my property will be put up for auctionXX/XX/XXXXtoday at XXXX ( less than 3hr. from now. ) His exact words were XXXX XXXX, let me just confirm with you that XXXX is a servicer. We service loans for private investors. Your particular investor happens to be XXXX XXXX whos the owner of the note. In the state of California, there is a law named the SB-900 law that states that a bank, servicer, or investor can deny the review of a loan modification package if its sent when there is a scheduled sale date ( which is not true ). XXXX XXXX also said We have received your request for a modification and the investor had declined to review it and we are proceeding with sale today at XXXX. I asked XXXX if XXXX had lied when she told me I had 30 days to appeal a denial. Was she lying when she said that there was no way for my home to go to auction on the XX/XX/XXXX? At that point, XXXX cut me off, mid sentence, and began to get very aggressive and rude. He told me that I needed to, Stop talking now if I want my questions answered! He also said XXXX XXXX, youve had your chance to speak, now its my turn. When Im done, you can ask any questions you want! He then said, No, XXXX was not lying. The hold was removed today, you spoke with XXXX yesterday. She would have seen a hold on the account yesterday because the hold was not removed until sometime this morning. I then said, XXXX told me I had 30 days after a denial to appeal. XXXX said, No, thats based on the packet we were going to review you for however, it was brought to our attention today that we have received notification from the investor this morning to remove the hold, we are gon na proceed with sale. I asked him if the sale would be taking place at 1pm my time or his time. He said my time. I asked for his full name and location, thanked him for his time, and we hung up. I was forced to file a bankruptcy to protect my home. The sale was postponed to XX/XX/XXXX. I was not given a full 30 days to appeal their decision, In fact, today is XX/XX/XXXXand neither myself, nor my attorney have yet to received a denial letter from XXXX. It is my belief that XXXX purposely gave me wrong information in an attempt to fraudulently and underhandedly foreclose on my property. As a result of my conversations with both XXXX XXXX and XXXX XXXX, I have questions : 1.Why would XXXX XXXX tell me that my Loss Mitigation packet was under review with the underwriter if it wasnt? 2.Why would XXXX tell me that XXXX has to give me 30 days to appeal, they have to review my appeal, and they have to send me an answer back before they can place my property back on the market because I am in the state of California, if that was not true? 3.Why would XXXX XXXX lie about SB-900? 4.Why have I still not received a denial letter from XXXX? 5.Why did XXXX XXXX lie about the investor declining to review my Loss Mitigation package? I was sent a letter from XXXX XXXX on XX/XX/XXXX that stated, my Loss Mitigation package was received and is being reviewed by XXXX. A decision will be determined within 30 days from that date. ( Ive attached that letter ) I called numerous times to get an update, but my calls were never returned. However, if I had been under review sinceXX/XX/XXXX and it takes 30 days to make a decision, how is it possible that the investor decided on XX/XX/XXXX that they would deny reviewing my Loss Mitigation packet? There are too many inconsistencies with XXXX business practices. I assure you that my statements in this complaint are truthful and factual, however if anyone questions the accuracy of my statements, I would be more than happy to send the videotaped recordings of both conversations. I couldnt attached the videos to this complaint because the files were too big and there was no way for me to cut them into small enough pieces to attach them. Thank you.
07/17/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33009	Web	Servicemember
RE. XXXX XXXX I spoke with you this morning about a letter that I received. You assured me that you would email me the appropriate paperwork today to help me deal with my hardship. I confirmed my email address with you twice at that time. You assured me that you would send me the paperwork that I needed to fill out today. Well, I checked the time on this email XXXX XXXX. I still have not received the email. You hung up the phone on me before and I spoke with your supervisor after that. I agreed that we had our agree to disagree issues about my mothers estate. Which by the way I agreed with your supervisor to give you a second chance. Again, I told you what the probate court ruled. The probate court ordered and the county taxes list this address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX under my name as per the probate court order. You disagreed with me again and stated that the property of the above mentioned address was listed under the Estate of XXXX XXXX XXXX, my mother that passed away. I contacted the XXXX County Tax office today as you advised me too, and they confirmed what you advised me, that the property taxes were owed for XXXX and they also advised me that the XXXX property taxes were also owed. Obviously, you or BSI was not aware of that. My mother passed away ion XX/XX/XXXX, I contacted BSI and advised them of the situation onXX/XX/XXXX the next morning. At the time of my mothers death, I had no idea of how far behind she was in her mortgage payments. She was very private and I respected that as her XXXX XXXX and XXXX XXXX. I advised the representative of BSI that according to Florida state law i.e. Lady Bug Law that I was the XXXX XXXX I had a right to file for probate of her property and retain the residence as long as I paid the mortgage. I had opened her mail after she passed and seen that she was behind in the mortgage payments. I tried to make up payments at that time and was advised by the representative, that I was not authorized to make a payment, because I was not listed on the Deed at the time of her death. The representative that I spoke with advised me what I needed to send BSI, my mothers death certificate. When I received my mothers death certificate, I scanned it and sent it to BSI. At which time I received a letter that that a accelerated foreclose was proceeded. I did that and had paid thousand 's to BSI ( approx.. {$4500.00} to BSI, plus {$2700.00} for attorney fees ) to get the loan as close to current as possible at that time. Only after BSI received my mothers death certificate and a certified letter from the probate attorney. By that time ( approx. 4 weeks ) the mortgage fell further delinquent. A few months later, I myself, had a hardship of my own at that time, XXXX XXXX, which I advised you of. The hardship was discussed about the loss of my mother, my health and you stated that you would talk to the investor and request a 2 month extension on the mortgage, plus that I would have to pay the added interest at the end of the mortgage. We made an agreement for a ACH payments of {$1000.00} for the first of the following month and continue on the first of each month, unless it was a weekend or holiday, then it would be processed on the next business day. You stated that you would contact the investor and attempt to make the arrangement. You contacted me back via phone and advised me that the investor agreed to the extension. On the first of the following month, BSI made a {$2300.00} ACH withdrawal from my checking account. That was not the ACH agreement. I contacted BSI and was transferred to you again, I advised you that the bank was processing the ACH payment for the {$2300.00}. I could n't afford that amount and I signed an email agreement for the {$1000.00} and was recorded by phone for the ACH amount of {$1000.00}. I requested you to address that problem and you advised me that you could not change or stop the {$2300.00} ACH draft. So, I contacted my bank and advised them of the issue and requested that the payment and any other further ACH from BSI be stopped. I advised the bank representative of the ACH agreement with BSI. The {$2300.00} payment was stopped and any further ACH drafts from BSI, until all issues had been corrected. That is what happened to ACH payments. Before the end of the 2 months time extension. I received a letter from BSI advising me that there was a escrow shortage of approx. {$1600.00}. At witch time I contacted you via phone ( advised me that the call was an attempt to collect a debit and the call was being recorded unless I was claiming bankruptcy ) and advised you, that the online statement on@XXXX, did not match the paper mail statement from BSI. That is when we I explained to you that I was a XXXX XXXX veteran and a retired XXXX XXXX and that I was having to deal with my XXXX again. I would look in a VA loan. At which time we disagreed on a previous statement that you made to me as stated above in this letter and hung the phone up on me. I contacted BSI and requested to speak with your supervisor at that time and I did as I stated above. So here we are and the next thing I know, I receive a check from BSI for {$120.00} escrow overage. I called you to confirm that this is a real check and a true statement and you did. I questioned you about the {$300.00} flood insurance fee that I now had to pay and had been paying for a few moths at that time. You advised me that I lived in a flood zone, I understood that and again you told me that BSI had no proof that the property had the property had the required flood insurance. I questioned you about that and asked why is this an issue now and not before the probate court had made its decision. Again you advised me that it was required by the investor. I contacted the condo association about the flood insurance issue. The condo association secretary/treasurer advised me that the flood insurance was already included in the monthly association fee and always was. She requested the information where to send BSI the paperwork to show proof of the flood insurance that was always on the property. Today, you advised me about other issues with my mothers mortgage. I was never told any of these issues and assumed that all was worked out. Nothing has changed or has been updated. With all do respect, I have lost all respect in you and and have no trust or believe in your statements or believe in any of or responses. I have saved all the documentation just for this reason. I will no longer deal with you XXXX XXXX. I have also forward this letter and documentation to your supervisor. And also requested a new agent. I am contacting CFPB and am going to file a complaint with them and provide all information and documentation. And this will be a reflection of BSI and on you. As a veteran and civil servant since I was XXXX, I never expected this would happen.
05/16/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95843	Web
My name is XXXX XXXX and BSI Financial has been my loan servicers since XX/XX/XXXX , and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very stressful and nerve wracking. Since last year we 've requested loan modification from BSI several times, however and they do not give such an op tion. This is the only home I have and my family lives here, b ut BSI only wishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only XXXX square feet. We found a lot of fraud, especially with the XXXX company. You can look at the attachments and see what kind of fraud XXXX creates. They tried to sell my property illegally, they do n't have any right to sell my property on XX/XX/XXXX . XXXX XXXX XXXX XXXX XXXX ( XXXX ) i s a corporation incorporated in XXXX , Delaware, with its principal place of business located at XXXX XXXX XXXX , XXXX XXXX , XXXX , Virginia XXXX . XXXX operates an electronic registry and owns no property or has no interest in any matter set out in this complaint. The governing documents and membership agreement with XXXX indicate that XXXX is prohibited from having an ownership/beneficiary interests in the property, note or deed of trust. XXXX is named the original nominee beneficiary under the DOT dated XX/XX/XXXX , holding only legal title. XXXX registration status with th e California Secretary of State was suspended from XX/XX/XXXX to XX/XX/XXXX . XXXX XXXX with its main office located at XXXX XXXX XXXX , XXXX , CA XXXX , who is authorized to do business in the State of California. XXXX XXXX is neither th e original lender nor a party to the Original Transaction XXXX XXXX XXXX XXXX . is a National Association, with its main o ffice located at XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX , California XXXX , who was not, and is not, authorized to do business in the State of California, as reflected on the State o f California Office of Secretary of State we bsite. Only a similar named company, XXXX XXXX XXXX was, but no longer is, registered with the Office of the Secretary of State at all times relevant, as reflected on th e State of California Office of Secretary of State website http : //kepler.sos.ca.gov/, i n which the Office of the Secretary of State website shows a Dissolved status of XXXX XXXX XXXX registration, effective XX/XX/XXXX . Another company registered with the State of California Office of Secretary of State, named XXXX XXXX was registered but does not appear to be the same entity as XXXX XXXX XXXX XXXX XXXX , as its address is listed as XXXX XXXX XXXX , XXXX California XXXX . XXXX is a subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX , which has now been taken over by XXXX XXXX XXXX XXXX , XXXX . As such, XXXX is now a subsidiary of XXXX XXXX XXXX XXXX , XXXX . XXXX is neither the original Trustee nor a party to the Original Transaction O n XX/XX/XXXX , a NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST ( hereinafte r, NO D1 ) was executed by XXXX XXXX XXXX , in the capacity as Authorized Signer of XXXX , as agent for the purported Beneficiary. Said NOD1was reco rded at the XXXX County Recorders Office o n XX/XX/XXXX as Docu ment number XXXX page XXXX . On XX/XX/XXXX , a Sub stitution of Trustee ( hereinafter, SOT1 ) was purportedly executed in the County of XXXX , California. At the time of said execution of SOT1 XXXX XXXX actually worked for XXXX in XXXX XXXX , XXXX XXXX . Thus, he was not physically present in XXXX County, Californi a ( USA ) a t the time said document was notarized purportedly by notary public XXXX XXXX . Said SO T1 was recorded at the XXXX County Recorders Office o n XX/XX/XXXX as D ocument number XXXX Page XXXX . Said SO T1 pu rportedly substituted Defendant XXXX as Trustee. Also, on XX/XX/XXXX , a s econd Assignment of Deed of Trust ( hereinafte r, ADO T2 ) was purportedly executed i n the County of XXXX , California by XXXX XXXX , XXXX XXXX neither worked for XXXX nor XXXX as an Officer ( Assistant Secretary ) Rat her, at the time of said execution of both the S OT1 and ADOT2, XXXX XXXX actually worked for XXXX in XXXX XXXX , XXXX XXXX ! Thus, he was not physically present in XXXX County, California ( USA ) at the time said document was notarized purportedly by XXXX XXXX . Sai d ADO T2 w as recorded at the XXXX County Recorders Office on XX/XX/XXXX as Document number XXXX page XXXX Said ADO T2 pur portedly CONVEYED ALL RIGHTS, TITLE AND INTEREST IN my Deed of Trust ( D OT ), togeth er with the Note, over to XXXX . The XXXX Board Of Directors Has Neither Voted On, Approve d, Nor Ratified Any Vote Authorizing XXXX Employee, XXXX XXXX , To Sign In The Capacity As An Officer of XXXX As Required by the XXXX Bylaws. Furthermore, it is clear that, as a result of the Robo-Signed execution of said SOT 1 ( & ADOT 2 ) by XXXX XXXX , who was a emploee of XXXX , and whose work location was located XXXX XXXX , XXXX XXXX at all times relevant, and whose authority to act on behalf of XXXX as an Officer when executing official documents is unauthorized by the Board of Directors of XXXX ( in direct violation of the XXXX By-Laws ), said SO T1 ( & ADOT2 ) is void because the XXXX Board of Directors never voted on, and approved, his authority to execute official documents as an Officer o f XXXX As a result, said S OT1 ( & ADOT2 ) are void based on this issue alone no Rescission of said void SOT1 ( nor ADOT2 ) has ever been recorded at the XXXX County R ecorders office Therefore, since, XXXX XXXX was not authorized by the XXXX Board of Directors to execute documents in the capacity as an Officer o f XXXX , said execution of said SO T1 ( & ADOT2 ) is void , invalid and of no legal effect because it was not executed by a party with authority to execute documents on behalf of XXXX XXXX XXXX Signatures Inscribed on Said S OT1 ( & ADOT2 ) to Execute Said SOT1 ( & ADOT2 ) Are Forgeries, Rendering Said SOT1 & ADOT2 V oid On Their Face
12/09/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web
This is the third separate complaint regarding this specific loan with XXXX XXXX. This complaint references XXXX loan number XXXX, for XXXX XXXX. The residence address is XXXX XXXX XXXX XXXX XXXX PA XXXX. The first CFPB complaint number was XXXX, followed by XXXX. This mortgage started with XXXX. A short time afterwards I fell behind and filed for bankruptcy protection. The loan was eventually sold to XXXX, Then XXXX XXXX, eventually to XXXX in XXXX, the current mortgage holder. Being in bankruptcy protection and unable to speak directly to the mortgager, brought communication that was very XXXX sided. During bankruptcy we missed several payments, resulting in a lump sum payment to catch us up in XX/XX/XXXX. Soon after that lump sum payment, all payments were made in full and on time until we exited bankruptcy late in XXXX. Upon exit, thinking we were caught up and having no statement making us assume different, we were stunned to receive a notice that we were over {$25000.00} past due according to XXXX. XXXX provided charts that attempted to confirm that conclusion. As we began an investigation, XXXX filed an act XXXX with a new amount due of over $ XXXX ( again, with charts to confirm the new amount ... which if accurate, would prove earlier charts previously deemed accurate would indeed be inaccurate ). Back and forth communication over the past several months has resulted in new, lower amounts due ( first appx $ XXXX, Then appx $ XXXX ... each with all new charts to back the new lower amount ... meaning now I had XXXX sets of inaccurate sets of charts if this latest set of charts was indeed the real truth ). XXXX thing I am convinced of is that XXXX can make a chart say anything. In early XX/XX/XXXX I received a letter from XXXX stating that I was indeed current, and they apologized for all of the inaccuracies and trouble they had put me through. I thought it was over ... only to receive a new letter two weeks later claiming a {$1000.00} shortage in escrow. Many of the errors ( not all ) in the history of this loan seem to begin with the catch up payment of $ XXXX in XX/XX/XXXX. Shortly after this time late fees, bankruptcy charges, etc started showing up while i was in bankruptcy protection. It now appears as my monthly mortgage payments began to be applied to these fees ( which I was unaware of ) instead of the mortgage. Therefore XXXX, then XXXX, then XXXX considered the account in arrears even though each and every mortgage payment was made in time and in full. XXXX even insisted escrow was underfunded and demanded an extra {$430.00} per month for nearly all of the calendar year XXXX, which I paid. That is important, because we have now learned that escrow was OVERFUNDED by {$11000.00} according to an escrow statement at XXXX Servicing dated XXXX ( hence you can understand my surprise when I received the $ XXXX amount due from XXXX later in XXXX. What needs to be corrected : 1. Escrow is not correct, with the shortage of {$1000.00} demanded in late XX/XX/XXXX. Since we know escrow was {$11000.00} overfunded only 22 months ago, and since i have proof i have made monthly payments each and every month since then ( in full and on time, adding roughly {$610.00} to that total each month ), that should bring escrow since the beginning of XXXX to roughly {$25000.00}. Additionally, since XXXX insisted the escrow was underfunded, i paid roughly an additional {$3900.00} in XXXX directed specifically for escrow. That means roughly {$29000.00} XXXX give or take a few dollars ) should have been in place in escrow to pay various taxes and insurance that annually add to roughly {$7200.00}. That would mean escrow should have been funded for XXXX, XXXX, XXXX and nearly all of XXXX. Where is the money? I see specific late fees, bankruptcy fees ( {$500.00}, {$1300.00} several times ) while i was in bankruptcy protection. All of these fees need to be reversed and refunded to me. Even XXXX 's latest set of charts proves this loan was not in arrears, and that errors and incorrect assumptions had been made on the part of XXXX, XXXX and XXXX. I never asked for my loan to be passed from XXXX servicer to another. XXXX, when they bought this loan, bought, and is responsible for, the history of the loan. If XXXX has a dispute with past errors, that is between them and XXXX and XXXX ( although XXXX has behaved horribly and like a predator in this loan ). Only XXXX can correct the errors. Since that escrow statement of XXXX, over $ XXXX has been added to escrow ... only {$14000.00} paid out legally. We need words not charts. XXXX has proven they can make a chart say anything. I have at least 4 sets of charts in the last 12 months alone that come to radically different conclusions. I have kept all of those charts. 2. We need clarification of two separate items in the loan history. As we fell behind in XXXX, school taxes were not paid for by escrow. I know this because I personally paid them XXXX. My research shows that amount was included in the $ XXXX payment of XX/XX/XXXX. Upon confirmation, that will mean I paid that amount twice ( first XXXX, then again in XX/XX/XXXX ). Please credit this {$5100.00}. The second item we need is a simple request. In XXXX i never received a year end mortgage statement from both XXXX. Simply put, in XXXX I paid in {$61000.00}, yet received only a statement from XXXX showing {$51000.00} ( interest paid, principle reduction, and taxes / insurance paid ). The missing {$10000.00} has to be from XXXX for the same. With this information i can refile my XXXX taxes for a new amended amount. My attorney asked for this many times, as have I with no response. Can you please obtain this statement for me? I believe it is required by law. The target is constantly moving, and charts always changing. If you start with the escrow statement of XXXX, this shouldn't be that hard to figure out. Answering the questions in # 2 will help bring this to a close. Thank you for your help in this matter. XXXX XXXX
06/08/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA XXXXX	Web
This complaint references previously started XXXX loan number XXXX, for XXXX XXXX. The residence address is XXXX XXXX XXXX XXXX XXXX PA XXXX. The CFPB complaint number was XXXX. 1. This mortgage started with XXXX. At a short time afterwards I fell behind and filed for bankruptcy protection. The loan was eventually sold to XXXX, Then XXXX XXXX, then to XXXX in XXXX, the current mortgage holder. Bankruptcy payments to the trustee each month for 60 months totaled {$41000.00} sent directly by the trustee for mortgage purposes. I want XXXX to account for where this money was applied in full. XXXX, when it purchased this loan, bought its history ( good and bad ) as well. No company would buy a mortgage that they couldn't verify correct amounts owed thru past records. XXXX has previously stated they " can not speak to the actions of the prior servicer ''. XXXX has access to records of this, and I have every email and chart from my bankruptcy attorney for 5 years regarding this. I'm asking because I'm still looking for the destination of {$41000.00} sent from the trustee specifically to the mortgage company. Where did it go? In full. 2. Escrow is still a mess. XXXX is still asking for an " escrow short payment '' of an additional {$430.00} per month on top of the monthly {$600.00} set aside in each payment for escrow. Since the loan is now understood to be current as of XX/XX/XXXX, only 24 months ago ... and I possess bank confirmation of every single monthly payment in full ( and on time ) for every month but one ( XX/XX/XXXX ), how can escrow be short anymore than appx. {$600.00} total. Am I not correct in stating that escrow is only for taxes, and insurance? Specifically what, other than school and real estate taxes, and home insurance, has been paid or charged to escrow? Again, I was in bankruptcy protection. In an escrow statement from XXXX XXXX dated XXXX, escrow was listed as having {$16000.00}. They listed a " required amount '' as {$4100.00}. That means that only 17 months ago, escrow was OVERFUNDED by {$11000.00}. Since that time escrow has received monthly dispersements of over {$600.00} per month from monthly mortgage payments. Thats roughly {$10000.00} ( plus 2 months where I have now paid an additional {$430.00} ) plus the amount pf overfunding totals just shy of {$24000.00}. XXXX has correctly listed needed escrow monthly at {$600.00}. At that rate, escrow currently would have been funded in whole for XXXX, XXXX and XXXX ... and then some. Clearly money is being misappropriated out of escrow for other purposes. Rather than sending charts, I want a full accounting of specifically where every single dollar was paid out of escrow and for what purpose since the date of the XXXX XXXX XXXX Statement. Again, taxes and insurance only total a little over XXXX XXXX a year. XXXX has $ XXXX to explain the whereabouts. 4. My bankruptcy attorney and I have been asking for 18 months for a proper accounting of monies paid in vs amounts credited for the calendar year XXXX. Simply put, including the bulk payment made of {$27000.00} plus all 11 monthly mortgage payments made in XXXX, I have proof of payment for {$61000.00}. Mortgage reduction, taxes paid and interest paid only amount to {$51000.00}. Since XX/XX/XXXX, about the same time as XXXX entered the picture, we have been asking where is the missing {$10000.00}? Please account for this. If it is in the records for XXXX XXXX, then please obtain it from history. XXXX has access to this history ... they would not have bought the loan without it. 5. All monthly fees ( at least 3 separate {$1300.00} fees, plus a {$500.00} BKY fee, plus $ XXXX late fees ) need to be reversed immediately. Many of these fees were assessed in bankruptcy, and all were assessed with the incorrect assumption that we were behind. We very well may not be behind at all, and may be in the back re current. XXXX continues to ignore this request and skips over it each time they reply. 6. Since XXXX now agrees per their apology of XXXX that " the total amount due was incorrect due to our system not being updated properly to reflect the bankruptcy filing '' we still need the following. After explaining in full each of the questions from above, a new " total amount needed '' in full ( with date ) to bring this matter to a close. There is no way that the loan is still 3 months behind since I have payment in full confirmation from every month ( sans one ), starting from Spring XXXX. Based on # 2 above, there actually may not be any additional amount due, once all fees are deleted that have been randomly assesses without checking into the facts / history of this loan. We need a new total, with date, so this process can be brought to a conclusion.
03/23/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92656	Web
On XX/XX/XXXX, my loan was sold from XXXX XXXX to a private investment firm, XXXX XXXX, aka XXXX XXXX XXXX XXXX, XXXX d/b/a XXXX XXXX, Not in its individual capacity but solely as the trustee for the XXXX XXXX XXXX XXXX. XXXX XXXX transferred the servicing of the loan to XXXX XXXX. It has come to my attention that three of the executives of the XXXX XXXX XXXX are currently in jail for fraud. XXXX XXXX has not been keeping accurate financial records and are not concerned with ensuring accuracy of their accounts. Details of the inaccuracies are included below. Due to personal matters, I encountered difficulty in making all mortgage payments during XXXX. I filed a bankruptcy petition XX/XX/XXXX, in an effort to restructure the past-due payments. XXXX XXXX XXXX attorneys were very aggressive, and they were discharged from the bankruptcy. I applied for a loan modification through XXXX XXXX XXXX in XX/XX/XXXX. I was assigned One Point of Contact at XXXX XXXX, XXXX XXXX. Within a day of accepting the completed modification packet, XXXX wrote to XXXX at XXXX XXXX and stated that I needed to pay {$12000.00} upfront to submit a loan packet to XXXX XXXX XXXX. At that time, XXXX knew the terms were abnormal, he removed himself from the modification process, and he suggested that I deal with XXXX directly. After speaking with XXXX, she stated that the lender would not entertain a modification unless money was offered up-front. The modification was subsequently denied within 2 days because I have equity. I appealed the process. The same date the certified appeal document was received at XXXX, XX/XX/XXXX, the appeal was denied. There wasn't sufficient time for the lender to receive, review, and deny in less than a day. I strongly believe no one reviewed the file during appeal. The appeal process was not handled in an appropriate and legal manner or according to the California Homeowners Bill of Rights. On XX/XX/XXXX, I sent a Notice of Error to XXXX XXXX, their trustee and attorneys XXXX, XXXX and XXXX, stating that there are significant financial errors in the accounting, dating back to late XXXX, prior to the transfer of the loan from XXXX XXXX. I received a response from XXXX by regular mail on XX/XX/XXXX. The response was inadequate, the records provided were inconsistent, and the answers I was seeking were not provided. I contacted XXXX immediately to request the specific additional information. I was told that XXXX XXXX was still my One Point of Contact and that I needed to present the request to her. When I reached XXXX, her response was : " You are in the last stages of foreclosure. You have a sale date of XX/XX/XXXX. If I feel that something you send me needs to be forwarded to someone, I will forward it, but it's too late to address anything now. '' When I stated that I will persist with or without her, she stated that she would note my file that I may be getting an attorney and XXXX rudely hung up on me. That is my One Point of Contact. According the the California Homeowners ' Bill of Rights, a homeowner has a right to one point of contact, that If the court finds that the violation was intentional, reckless, or resulted from willful misconduct by a loan servicer or lender, the court may award the borrower the greater of treble actual damages or statutory damages of {$50000.00}. I seek the following resolution : that the prior modification attempt that was handled inappropriately and unlawfully be voided, that I become assigned to a new Point of Contact at XXXX that will follow the California Homeowners ' Bill of Rights and treat me with respect, and that upon filing a new modification request, it is given appropriate and full consideration. The financial discrepancies and errors mentioned above are significant enough to invalidate the unpaid balance and invalidate any foreclosure sale. The OPOC should be addressing that, and should rightfully pause any sale activity until XXXX is certain that their records and the records of the prior servicer are identical and 100 % accurate, and that after all credits and debits have been accounted for, there is still a valid reason to proceed with collection of a significant outstanding sum. I believe there will not be a valid reason or a significant unpaid balance. The details are attached in the letter to XXXX XXXX, asking him if I need to send another NOE with the specific calculation errors, or if we can proceed by narrowing the specific details of the original NOE. It is imperative that XXXX XXXX provides accuracy of all of their records, especially when their errors could cause significant harm and hardship. It is imperative that XXXX representatives conduct business with honesty, integrity, and respect.
12/05/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33178	Web
Please help me save my home. Please know that I have been in contact with my mortgage servicer for over 2 years now, trying to save my home. The mortgage servicer initially was XXXX XXXX XXXX who sold my mortgage and the new mortgage servicer then became XXXX XXXX XXXX. XXXX XXXX XXXX was most difficult to deal with. I applied for a Loan Modification with them. They were rude and even made comments to me about my house not being mine but the banks and if I couldnt afford it I should get out right away. Eventually, I received a letter informing me that XXXX XXXX was not my mortgage servicer anymore and the new servicer was XXXX XXXX. Soon after, I found out that XXXX XXXX XXXX had a lawsuit against them from the FTC and CFPB. Later, the FTC and CFPB announced that they had reached a {$63.00} XXXX settlement. The allegations from the FTC and CFPB against XXXX XXXX XXXX on said case were no surprise to me as I was also a victim of their threats, their calls at work, their obscene language and their mocking of my issues that led me to the current financial hardship at the time. As I started to work with XXXX XXXX. ; I quickly realized they were no different than XXXX XXXX XXXX. For example, instead of taking 30 days to reply to my Loan Modification request, they simply didnt answer at all. Soon after, I receive another letter but this time saying that XXXX XXXX was no longer my mortgage servicer and the new one being XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX and had to start the entire process all over again for the 3rd time. At that point, I felt that I couldnt deal with this issue by myself anymore and I hired an attorney in XXXX XXXX. As of XXXX XXXX, through my attorney ; I provided all the financial information required by XXXX XXXX for a loan modification. XXXX XXXX continued to contact me thru a customer service representative by the name of XXXX XXXX and I had to re-direct him to my attorney many times. In XXXX of XXXX ; I inquired through my attorney to reinstate my loan. I thought maybe they ( XXXX XXXX ) would accept a lump sum payment and the loan could be reinstated. To my surprise, at the end of XXXX XXXX my attorney notified me that my Loan Modification request was denied. I was still optimistic that a loan reinstatement could be an option. Yet again to my surprise, I get an email from my attorneys office on XXXX XXXX, XXXX telling me that there is a Motion for Summary Judgement the following day at XXXX. I immediately called them to inquire and was told that the attorney would call me back that day. The next day, after multiple phone calls and two emails to my attorneys office ; I get an email at XXXX in the afternoon that says Today at the hearing a final judgement was entered. We got an extended Sale Date of 90 days. The judge on your case and everybody elses for the day stated that if a modification is entered within your 90 days the Sale Date will be cancelled. I later emailed them asking to explain how we got to this current situation. I am also asking them to inform me what is it that they are going to do different now ; from what they have been doing for the past 14 months since I started paying them to help me avoid foreclosure. On several occasions prior, I had mentioned to my attorney how disappointed I was with this entire situation and with the multiple mortgage servicers handling my home loan. I told them that I felt I should report it to you, to the FTC, to the OCC, to the Florida Attorneys General office. They understood my frustration and said I should proceed any way I thought would be best. So here I am, reaching out to you ; as I am desperate and anxious of the thought of my home awaiting to be sold at the specified sale date of XXXX XXXX, XXXX. As per the FTC in the case against XXXX XXXX XXXX ; they ordered that steps were to be taken by XXXX XXXX to protect consumers. The order required among other things, that XXXX XXXX implemented a home preservation plan. In my case, XXXX XXXX XXXX changed to XXXX XXXX to later XXXX XXXX. I am puzzled on how these changes took place and if the FTC required them to follow up with the consumers affected like me. Please help me save my home. I understand that lenders are not obligated to accommodate borrowers, but considering everything that has happened with my mortgage servicers ; I feel that my case has fallen thru many cracks in the process. Thank you, Sincerely ; XXXX XXXX
06/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77057	Web
XXXX XXXX has lied and misled me as a customer since XX/XX/XXXX and has failed to due its fiduciary duties and update my account correctly and also failed to communicate with me as their customer several times since XX/XX/XXXX. Today XX/XX/XXXX is another day that XXXX XXXX has taken the wrong mortgage amount from my bank account because they have failed to properly update my account. This has been going on since XX/XX/XXXX and this financial institution/ servicing company has since lied to me, misled me, failed to communicate with me on multiple occasions, and has given me the worst customer service I have ever received regarding these two properties at : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX 1. XXXX XXXX failed to communicate or send the proper notifications to me as the consumer regarding my property insurance at the two properties above. They were sending letters to the incorrect address for months and failed to call or send emails to inform me about a change in my property insurance on these properties. They made the mistake of having the wrong address and were sending the letters regarding this to a different office located in the same building. Never did XXXX XXXX attempt to properly inform me as the consumer about them force placing insurance on the properties. Once I found out it was already too late and they deducted funds from my account and I also believe my escrow account to pay for this forced placed insurance. I then did the necessary steps and found my own property insurance and now both properties are properly insured but yet the information sent to XXXX XXXX was not properly updated in my account months ( see below ) 2. XXXX XXXX 1st lied to me that they never received my property insurance information when they did by their insurance department because I have confirmation from insurance agent and someone at their company also confirmed. Once they received this information months ago they still were taking the incorrect amount of mortgage payments from my account because they forced placed insurance. I agreed and acknowledged that they forced placed insurance but then I got insurance on the properties and still XXXX XXXX has not updated my account correctly. Today on XX/XX/XXXX, XXXX still has not updated my insurance information yet and apparently I am still waiting on an escrow analysis months later regarding the property at XXXX XXXX XXXX XXXX TX XXXX even after speaking to several senior management people stating this will be done or it is in process, but as of today nothing has been corrected or done regarding this account. I have been told many times that this would be corrected and still nothing has been done. XXXX XXXX is taking my money from me and doing nothing about this to correct the situation. XXXX XXXX has all the necessary paperwork for months now and still this can not or will not be corrected by XXXX XXXX. I was told multiple times that my account will expedited or that the escrow analysis will be done and STILL IT IS NOT DONE!!!! WHY???? XXXX XXXX has let me know several times as its customer and consumer and has lied to me multiple times regarding this account and my other account with them. I WANT MY MONEY BACK if or when this is corrected. XXXX XXXX have taken my funds from me for months now and I want it back. They are now stating that my funds will be put into an escrow account once this has been correct but I DO NOT CONSENT or agree XXXX XXXX you putting my funds into escrow once you have finally FIXED/ REPAIRED YOUR MISTAKE and/ or made the correct change to my account. XXXX XXXX has made several mistakes and they are at fault that this has not yet been correct for months now. XXXX XXXX states all my calls are recorded well I want you all to listen to them and see how many times I been lied to or mislead by XXXX XXXX and it is sad the quality of customer service I have received. Its actually pathetic. I unfortunately have no files to upload but XXXX XXXX says all of my calls are recorded well I want you to request for them and listen to them to hear the lies and misinformation I was told on multiple occasions and also lack of customer service I received to remedy the situation.
03/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94551	Web
We initiated a Chapter XXXX BK to save our home XX/XX/XXXX and utilized the newer court monitored mortgage modification program. At the time we had our loans with XXXX and XXXX XXXX. This was only after years of failed modification attempts with the previous servicers XXXX and XXXX who would vacillate between stating I made too much income to other times saying too little and requiring us to send the same information again and again. During the Chp XXXX proceedings, a meeting is scheduled with a mediator to negotiate the process. XXXX XXXX immediately issued a favorable mod and we were able to move forward without issue and did not even need to meet. The mediator made many attempts to contact XXXX to schedule the mediation as their timeline to protest mediation had passed but they would not respond to the court. Finally after a series of motions were filed to hold XXXX in contempt of the court order, they agreed to move forward, paid sanctions to our attorney accordingly and began reviewing the package for a Mod. On XX/XX/XXXX our attorney received an email from their attorney stating we would be given a 40 year term, the loan will be re-ammortized and it was 2 % for five years, 3 % for one year and the remaining term is 3.42 %. We started making the new payments through the trustee but the modification was never finalized and shortly thereafter XXXX sold the loan to XXXX. On XX/XX/XXXX we received a new Mod letter from XXXX under HAMP. This time it said Year 1-5 would be at 2 %, Year 6@ 3.00 %, Year 7@ 4.00 % and Year 8-40@ 4.125 %. We protested but the attorney representing XXXX would not address the concern. For fear of unraveling the entire mod we signed, but informed our attorney we would take this change of terms due to a servicing transfer when things closed out with the CFPB. Again we made the trial payments as agreed through the trustee. In XXXX of XXXX the court signed the Mod into affect, but somehow we were not notified until XX/XX/XXXX by our attorney. During those 5 months our attorneys office repeatedly followed up via email to their attorney to see what was going on but there was no response that the mod had been finalized. Meanwhile we are still paying out through the Trustee and getting hit with her charge of {$230.00} every single month. Finally the Trustee issued a disbursement and the case was dismissed. Upon dismissal the Trustee had sent us a letter stating that the creditors had received over $ 20K. Now XXXX rolls around and we never receive our XXXX interest statement so we follow up. It is mailed to us, but only shows {$2400.00} in interest paid, when nearly that entire $ XXXX should have been represented on top of the payments that were made after the dismissal. We tried following up but were then told that XXXX would not speak to us regarding the issue on XX/XX/XXXX because there was an active court case. We told them that in fact that had been dismissed months ago, but they still refused to discuss the issue with us and the Customer Service agent refused to put a manager on the phone. We were advised to call our attorney to have them pursue the issue. Our attorney called the same day and the person XXXX advised them that the agents were simply not reading the correct notes, but he would adjust them so we should not have this problem going forward. We followed up again on XX/XX/XXXX and again we were given the same story about not being able to speak to us regarding the litigation. This time we pressed and she did determine that was inaccurate. We asked about how we could get that account status removed so we wouldn't continue to run into this issue again and were told she had no way of escalating that issue and again we need to go back to our attorney for resolution. Other servicing issues we faced were XXXX force placing insurance when we sent proof of continuous coverage multiple times, and even though we were forced into an escrow account they failed to make a tax payment. We had to pay ourselves and it took months for XXXX to issue a refund.
09/24/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 190XX	Web
After my chapter XXXX bankruptcy was dismissed ( filed BSI wouldnt call back or email me after we were working on a modification. They wouldnt answer up to the day before sheriff sale XX/XX/XXXX. My attorney told me to keep trying to work with them and my other mortgage company and student loan. I was able to get a modulation with other mortgage and repayment plan with student loan. My attorney office kept emailing them authorization papers to speak with me and they would say they didnt receive it. I completed modification papers XX/XX/XXXX. I kept calling and trying to reach XXXX XXXX and he was so disrespectful on the phone hollering at me at telling me to shut up. All of this was recorded. Finally yesterday evening Im transferred to XXXX XXXX in loss mitigation who was just as disrespectful. He informed me that they denied accepting my deposit of {$1500.00} dollars and I would have to put a deposit of {$5000.00}. My payments would be approx {$2100.00}. He told me this as well on a recorded call. They said I had to wire the money in 24hrs and they wouldnt provide me any information about my account or the approval in the email he was sending. I informed him that I never herd of a mortgage company asking for a deposit but not willing to state that in the email he send on how to send the money. He stated he cant put anything in writing other than how to send the money but not what it was for or my account info. He even made me get the info from a secured email. However, he has done that today and he has all of my personal information in the email communications going back and forth. There was a lot of bully tactics, bias and down right disrespect from the XXXX XXXX and XXXX XXXX. XXXX told me on the recorded call that the payment would be for 12 months and probably increase around {$670.00} to {$820.00} in a year by of escrow. He stated that the payment he gave me was for principal and interest and most was going to interest. After being told they would not give me anything in writing and if they didnt get the money by XXXX XXXX I wouldnt get the modification. So, nervously I send {$5000.00} deposit wired from my bank as it structed today. After sending I called approx., 5 times and emailed about 4 or 5 for them to confirm they received the wired monies. They told me they hadnt receive it approx 5 hours after I sent. I send over the receipt from bank and they acknowledged payment around XXXX. I never heard from them again. Again XXXX XXXX I called BSI asking for XXXX and I sent an email as for the modification papers to be emailed. Per the representative I got on the call, XXXX told her to tell me they would send me something in the mail in 3 to 5 days. I also, emailed him and XXXX XXXX. XXXX replied stating my monthly payment is now {$3000.00} and some change, also that they postponed the sheriff sale for 30 days. So, basically they were tricking me into sending the {$5000.00}. and if I couldnt afford this new payment they came up with that was on me. The new payment went up overnight almost {$1000.00}. I asked how this happen thats not what they told me on the recorded line. Both of them told me my payment would be {$2100.00} for 12 months and it would increase e {$670.00} - {$820.00} for escrow. Ive tried for several years to get my mortgage back on track and have had to file Bankruptcy more than once because they take me to the day before a sheriff sale is scheduled and not answer phone calls or emails. Ive asked for a supervisor to call me back. Also, someone from the customer service department. I would like to have them investigated because this is predatory lending and BSI is purposely targeting me as an a XXXX XXXX women with a loan modification they did not tell me I would have. There are recorded calls that need to be investigated about the way they dealt with me. Of youre not able to assist please tell me who can. BSI needs to stop this behavior as it is known behavior for them, especially with XXXX XXXX mortgagees. Thank you, XXXX XXXX
11/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60510	Web
XX/XX/XXXX I was notified by XXXX XXXX XXXX they had sold my mortgage to BSI effectice XX/XX/XXXX The address where to send the payment came well past the due date so I mailed the payment to XXXX It was finally applied For the months after that, I would send checks every month and sometimes they came back. Sometimes they did not but I did not know they were not being applied until months later. ( I read over XXXX complaints on the internet stating the same thing happened to them. ) I asked for account details going back several years. At that time I pointed out that there was still payyment that was misapplied by XXXX and pending correction. I had contacted XXXX numerous times over this and each time they gave me some story about how they would do and it would take months. Months later it was not corrected and I would call back only to talk to someone else who had no idea what I was talking about. I have my bank verification that I sent a check for {$1400.00}. and XXXX only credited my account {$14.00}. Their records show the difference was never applied. I notified BSI about the payment that needed to be credited. XX/XX/XXXX my insurance company called me to say that the mortgage insurance had not been paid and my policy was about to be cancelled. I called BSI and got a return voice mail from XXXX XXXX that they do n't pay insurance. Since the previous year 's premium was paid, my payment included escrow money being withheld for insurance. They have been collecting money for insurance for more for almost 18 mo. That money needs to be deducted from the amount I owe, as I paid that insurance premium. I want that amount taken out of the monthly escrow payment. XX/XX/XXXX I spoke to XXXX XXXX for more than an hour. At the beginning of the conversation I told him I id not like to talk to my mortgage company representatives on the phone as I had had problems with XXXX where the person I talked to would do nothing and when I called each time I got a different person who could find no record of previous conversations. They would promise things, then not do anything. When I called again the same thing happened. No record of the call. Groundhog day. XXXX XXXX told me over and over he was different. He 'd been doing this for 30 yrs, I can trust him.Blah, blah blah. He promised many things. I think he 's a con. Here 's what we agreed to He would get the misapplied payment credited for {$1400.00}. He would send me an escrow breakdown, showing the insurance amount. He would have that removed from my monthly payment and that amount for every month after the premium for XX/XX/XXXX was paid deducted from the amount owed. Give me detailed breakdown of " fees '' added to the account every month, some as much as nearly {$400.00} which is approaching XXXX % in fees. Allow me to make several payments up front ( the amount to be determined ) and be allowed to make monthly payments with increased amounts periodically until the outstanding amount is paid I asked him to send these things in writing via postal mail and also via email. He told me he tried to reach me via email but the email address he had was not valid. I asked him what he had on file. He had the correct email and I immediately knew he was lying about trying to contact me. He gave me his email and I emailed him immediately - and I sent a copy of an email from XXXX XXXX indicating that he had no problem sending me an email using the one on file. I got a response from XXXX saying 'let 's keep in touch'.I never heard from him again. About a month later I sent both XXXX and XXXX an email remidning them I was waiting for the information I requested. No response. I emailed again. No response. I want the information I requested aand I want the the issued mentioned above resolved. I have all supporting documentation, bank statements showing misapplied payment, emails, proof I paid my insurance.
06/18/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IL 60585	Web
On XX/XX/XXXX, we were notified that our loan ( modification ) was being transferred from XXXX ( XXXX ) to BSI Financial Services ; we are current and next payment made ( XX/XX/XXXX ) should be to BSI. The process between the banks was long and odd, as BSI informed me, we were NOT up to date, over a month due and could default ( do n't know how that happens in a month ) ... further, I DID send in our XX/XX/XXXX payment to BSI. I continued to keep in touch with XXXX XXXX and XXXX XXXX ( both XXXX ) as the transferring of loans was n't completed or things are " falling through the cracks '' - - XX/XX/XXXX - we receive welcome letter from BSI ; this is your monthly payment, escrow balance, etc. On XX/XX/XXXX we are behind (?! ). On XX/XX/XXXX we are in default (?!?! ). On XX/XX/XXXX, I spoke to XXXX and all is well on their side, not sure why BSI is stating as such. I make REGULAR monthly payments for XXXX, XXXX, XXXX, XXXX and XXXX ... then it begins. My husband and I run into some financial hardship and did n't make our XXXX and XXXX payments. I phone BSI and get in touch with XXXX XXXX, she is in charge of account and handle everything with us ( Great! ) - XX/XX/XXXX, I spoke with her about our situation and she states ; they are not a bank, but a licensed mortgage servicer and debt collector ; whom help people like us in financial stress, avoid foreclosures, etc. XXXX XXXX ( via phone conversation, which they have recorded ), said she would take XXXX and XX/XX/XXXX payments and add them on to the end of the loan ; I would need to submit a hardship letter, check stubs and XXXX, to be processed through underwriting for approval, then XX/XX/XXXX we are back on track - ( wonderful! ). Throughout XXXX, I emailed her several times about status from underwriting, no reply. I phone and speak to XXXX, who insists I continue to speak with XXXX as she holds our account. Ok (? ) - - XXXX, I am on the phone with her to make our monthly payments for XXXX and XX/XX/XXXX, but advised to hold on to my funds, as the loan is still in under writing. Ok (? ) - but what about making a payment? ... I do n't want anything bad to happen - credit, foreclosure, etc. XX/XX/XXXX - she STILL advises me that all is well and hold the funds. Ok (?? ) - - I continue to send emails ; inquiring and asking - there 's NO response. I WANT to make my payment, but afraid to, this seems odd - and I should have done something sooner. Because now its XX/XX/XXXX, I get a call from XXXX XXXX ( from BSI ) ; responsible for our account now and stating we owe {$8100.00} ( from the past 8 months ) to bring us current OR try to re-finance with another bank. Excuse me?! XXXX XXXX and I, have a conversation about everything that had gone on with XXXX ; she 's STILL at the company but a " high end '' director and just impossible to get a hold of, as she has so many loans. Regardless, she should have told XXXX about our situation ; maybe read all the notes or maybe read my emails or maybe check with underwriting or call me sooner! What is this?! ( I 'm very worried to say the least - as my husband have lived here for 11 years and we have XXXX daughters. ) Going to another bank for a re-finance is probably impossible since my credit score is now under XXXX ( more than likely ) and we have n't made a mortgage payment in months, as we were so advised - - and I TRUSTED this, and them ... we are suppose to HELP each other. I do n't have $ XXXX to hand over NOR would I WANT to, to them. We have no intention of selling or want a short-sale, WE LIVE HERE ... and I certainly would n't do it through BSI - its fraud. Further, its come to my attention that BSI has a D- rating from XXXX. Also, through Consumer Reports, I am not the only person dealing with BSI in this manner ... and the stories are ALL THE SAME. Something needs to be done here, please ... ASAP. Thank you VERY much.
11/07/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60631	Web
I am filing this complaint in hopes of getting relief from harassment and questionable business practices I endure from BSI Financial Services. I have an XXXX loan on a condo I purchased XX/XX/XXXX. BSI is the " loan servicer '' for my XXXX mortgage. I am current on my mortgage, and have never paid after the " late fee '' date of any month since the loans inception. However every month beginning on the XXXX until well after my mortgage payments are mailed and received, a BSI " in-house debt collector, '' continually phones me on a daily basis, at all hours, under the guise of a, " courtesy call. '' BSI is a, " debt collection service, '' as evidenced by their letterhead and all of its contents, and employees that are all too willing to identify themselves as such during their harassing phone calls. However, because they are also considered, " administrators, '' of my mortgage loan this debt collection practice is considered legal, and I am harassed daily for payment on a loan, they themselves define as, " not late. '' This legal loophole of, " defining a debt collection agency as administrators of a mortgage loan, '' denies me and many others, the same consumer rights as allowed under the Fair Debt Collection Practices Act, and the Federal RESPA rights guaranteed by a traditional mortgage lender. Although, they claim to offer me these services, I can provide evidence that they provide none of the services guaranteed by a state licensed and regulated mortgage lender and operate solely as a debt collection agency with no regards for anything other than circumventing the law and preying on hard-working, bill paying people. Furthermore, I believe my RESPA consumer rights were violated in that I was never notified of my rights when my loan was sold or transferred, and BSI has failed to provide me any loan services at all -- except to courtesy call me continually to ask for my payment. BSI alleges to have sent me a, " Notice of assignment, sale or transfer of servicing rights, '' dated XX/XX/XXXX. I would like to respond that I have never seen that letter before. If I had, I would 've not only responded by submitting a, " required verification of insurance, '' as instructed on page XXXX, but I also would 've sent a, " qualified written request, '' to my loan servicer expressing my concern regarding my consumer rights. I would have requested how a, " debt collection service, '' has the " authority to act on behalf of the new owner of my mortgage loan ... '' and I would 've additionally asked this debt collection service define what exactly that, " authority, '' means. How much power does that, " authority, '' entitle a debt collection agency? Simply put, this is a predatory mortgage with a predator servicing it. XXXX XXXX, the apparent new owner of my loan is also a debt collector, and these so-called, " loan service providers, '' offer no other services but debt collections, and hide under the umbrella of, " having the rights of a federally regulated financial institution, while circumventing the federally regulated rights due to their customers ' and consumers. Would n't this be a conflict of interest? How is a debt collection agency, acting solely as a debt collection agency, legally allowed to circumvent my FDCPA rights because they hide behind the definition of an, " in-house debt collector, '' also empowered to protect my RESPA rights through loan servicing? I believe my RESPA rights were violated in that I was never notified of my rights and I am requesting they provide the proof they did. I am also requesting, if they are unable to provide they have not violated my RESPA rights and they do not in fact, act as loan service provider, I am respectfully requesting they be found in violation of operating outside the protections of an in-house debt collector and guilty of denying me my consumer rights under the FDCPA
12/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 191XX	Web
am currently 2 months behind in my mortgage of which is due to due an error BSI Financial made calculating the escrow. My mortgage loan was transferred to BSI Financial by XXXX in in XXXX after I became ill and got behind in my payments in XXXX. I received a XXXX XXXX to bring my mortgage current in XXXX. I received notification from BSI stating my mortgage payment was increased to {$2200.00} effective XXXX in XXXX. I called BSI immediately upon receipt of their notification of the increase. I called for a long time and left several messages ; weeks later I got a call back from XXXX. I explained to him the payment is too high and I ca n't afford a payment that high. XXXX was very insensitive and I continued calling seeking assistance and leaving messages. I finally made contact with a lady and again reiterated my situation. She stated oh your escrow payment is very high. She said let me talk to my boss and see if we can stretch the escrow payment over a longer period. What her boss came up with was a {$100.00} less and still not helpful. I asked her for a loan modification paperwork because my rate is 7.999 %. I asked her if the loan modification did n't come through will your boss 's offer still be available and she pretty much said no. I never received any loan modification paperwork from BSI Financial. I went to a non-profit organization for help getting a loan modification with BSI in XXXX. In XXXX BSI Financial denied the loan modification stating my gross income states I can afford the payment and recommended I bring the account current, of which I 'm still 2 months behind. I called BSI representative XXXX XXXX about the denial and over avenues I can take to get help. XXXX was very short and stated I owed school taxes and that 's why my escrow is {$2000.00} short. I told him that 's not possible because school taxes are not part of R/E taxes in my city. Again after several calls and leaving several messages to XXXX I call various extensions and had a co-worker tell him to call me. XXXX stated the escrow transferred from XXXX was a shortage of {$2000.00} and my R/E taxes were {$3600.00} and that 's why you have a {$5700.00} shortage in escrow. I told him that was not possible there was no shortage in escrow at XXXX. I went online and reviewed my XXXX XXXX, spoke with a XXXX representative and confirmed the {$2000.00} was in fact a surplus not a shortage. I called XXXX several times and left messages stating BSI Financial screwed up my escrow A/C and based on calculations my mortgage payment s/b {$1600.00}. They are not applying the escrow over a 12 month period but in fact applying the escrow over a 7 month period. Again, I call various extensions and had a co-worker tell XXXX to call me and he did and said we found that your escrow was not a shortage but a surplus of {$2000.00}. I told you that you did n't find anything. I asked when were they going to fix their error? XXXX said well our strategy is that you bring the A/C current and we 'll look into possibly giving you {$1500.00}. I told him you guys screwed up, caused me to get behind in my mortgage, cause my credit to go into the toilet and your strategy is this XXXX. I have paid BSI an overage of {$4500.00} in escrow. BSI needs to use the {$4500.00} overage to bring the A/C current. I said BSI did this to me and this is no fault of mines and you guys are not willing to correct you error is that correct. XXXX said well our strategy is that you bring the A/C current and we 'll look into possibly giving you {$1500.00} in a very sarcastic tone. I was so angry I hung up the phone. I found a website with a ga-billion complaints about BSI their escrow errors and XXXX selling loans to BSI. The vast majority of people subjected to this experience are homeowners who received loan modifications from XXXX, a XXXX loan, or behind in their payments.
08/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30052	Web
First of all, please allow me to state that my husband and I are senior citizens and we have a XXXX year old daughter who has XXXX and XXXX. We are the victims of The XXXX XXXX XXXX spending over five years saying that they were modifying our loan, but they would always say that we did not qualify for programs that I knew we should have qualified for under the Home Affordable Act. Nevertheless, in XX/XX/XXXX, they sold or gave our loan to BSI Financial Service. This organization immediately added {$10000.00} on to a XXXX loan, and moved the loan from a fixed rate to an adjustable rate. The representative XXXX was extremely harsh and aggressive, Eventhough, they said that they offer loan modifications, and I expressed that I would like to keep our loan, he was constantly telling me " Do you think the investors are going to let you have {$100000.00} '' I was told this when I would ask about the extra {$100000.00} being placed on the end of the loan. This did not make sense to me, so I filed Chapter XXXX and called FHA and reported the company. At that time the loan was an FHA loan, however, I called FHA recently, and I was told that my loan was now a Conventional Loan. I simply do n't understand how this could happen. Anyway, after the filing of Chapter XXXX, I was assigned a new representative by BSI, XXXX XXXX, who was much nicer, and stay in contact with me. It was during the time when I was working with XXXX that BSI sent a congratulations letter stating that we had been approved for a loan modification. The letter read however that we would have to pay an upfront payment of almost {$3000.00}, and two weeks after the {$3000.00} up front payment was to be paid, the new monthly payment of {$1200.00} was due two afterwards. Now let 's keep in mind I received this notification only two weeks before we were to pay of the upfront sum. I begged and pleaded for BSI to add the lump sum payment to the end of the loan, because we had tried and tried to get the {$3000.00}, but of course we have been experiencing a extreme financial hardship, and we did not have credit or family to ascertain the funds. After, trying everything to get the {$3000.00}, I had to go back and tell XXXX that we simply could not get the lump sum money, and quite frankly {$1200.00} a monthly was only {$200.00} less than our original monthly payment of {$1400.00} and some dollars. This did not seem like a real modification for a family who is experiening financial hardship. As a matter of fact, I have neighbors that received modifications and their monthly house payment was reduced to {$500.00} less than their original house payment. Nevertheless, XXXX, assured me that he would go back to the investors and lobby on my behalf. Needless to say, the investors responded with an answer of no, and XXXX was removed from my case, and I was assigned XXXX XXXX, and I was told that I had to re submit all of the information again. So, I submitted the required information, and XXXX would write to me asking for information that I had sent her, and she said that she had not forwarded the documents to the underwriters because she had not received the information. Of course the information was submitted via e-mail, and I pointed out the information and she said oh yes, I have it, and I will send it on. Yesterday, however, I received correspondance from BSI stating that I was not eligible for a HAMP Modification because the investors would not agree to it, and they proceeded to ask me to send in the Frank Dodd Certification, -previously submitted, husbands paystubs -previously sent, bank statements, -previously sent, and some new documents, such as a letter from my husband stating that he contributes to the household expenses, a document asking if I would like a loan modification, short sale etc, deed in lieu etc Due date -XX/XX/XXXX. Please help.
08/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 191XX	Web
BSI participates as a servicer in Home Affordable Modification Program ( HAMP ). In a letter dated XXXX XXXX, 2016, BSI notified XXXX XXXX that her request for a loan modification under HAMP was denied on the grounds that her loan is not eligible because BSI services her loan " on behalf of an investor or group of investors that has not given us the contractual authority to modify [ her ] loan under the Home Affordable Modification Program. '' A copy of the letter is attached to this complaint. XXXX XXXX disputes this finding, and believes that BSI 's denial is improper. The vast majority of servicing contracts permit loan modifications. In fact, HAMP rules specifically note that HAMP reflects " usual and customary industry standards for mortgage loan modifications contained in typical servicing agreements. '' However, if the owner of XXXX XXXX 's mortgage loan does in fact prohibit modifications, then BSI must not only identify the owner of the loan, it also must specifically identify the document and restriction prohibiting BSI from offering a HAMP modification, pursuant to 12 C.F.R. 1024.35 ( b ) ( 11 ) and 12 C.F.R. 1024.41 ( d ) ( 1 ). The Official Interpretation of 12 C.F.R. 1024.41 ( d ) ( 1 ) specifies that the denial on the basis of an investor restriction " must identify the owner or assignee of the mortgage loan and the requirement that is the basis of the denial. '' In addition, a " statement that the denial of a loan modification option is based on an investor requirement, without additional information specifically identifying the relevant investor or guarantor and the specific applicable requirement, is insufficient. '' In its denial letter, BSI failed both to identify the owner of the mortgage loan and also to state the specific applicable requirement that is the basis of the denial. By letter dated XXXX XXXX, 2016, XXXX XXXX, through her counsel, asked BSI to correct that servicing error, pursuant to 12 C.F.R. 1024.35. ( Letter attached. ) Further, HAMP rules require that BSI make reasonable efforts to request that the investor waive any restrictions, and to maintain records related to the restriction. In her XXXX XXXX, 2016 letter, XXXX XXXX included a Request for Information pursuant to 12 C.F.R. 1024.36, and asked BSI to provide : ( 1 ) A copy of the document that prohibits BSI from offering a HAMP modification ; ( 2 ) The date and manner by which BSI requested that the prohibition be waived ; ( 3 ) A copy of any writing requesting a waiver of the restriction or prohibition ; and ( 4 ) The investor 's response to the request for a waiver. In response, BSI refused to provide this information and to correct the servicing error on the grounds that ( 1 ) the document is confidential and ( 2 ) BSI did not need to identify the investor restriction, nor did it need to ask that the restriction be waived because the investor is a non-participant in HAMP. ( Letter attached. ) This is a circular reasoning. HAMP rules are clear : if an investor prohibits a HAMP loan modification, the servicer must ask for a waiver and maintain documentation of such. In addition, Reg X requires BSI to specifically document the restriction. BSI 's response violates Regulation X section 1024.38 ( b ) ( 2 ) ( v ), which requires servicers to implement procedures to achieve the objective of " [ p ] roperly evaluat [ ing ] a borrower who submits an application for a loss mitigation option for all loss mitigation options for which the borrower may be eligible pursuant to any requirements established by the owner or assignee of the borrower 's mortgage loan. '' Here, HAMP establishes a process by which BSI must ask for a waiver of any investor restrictions, and BSI appears to not be complying. BSI also failed to properly correct a servicing error and respond to a request for information.
08/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	ME 04401	Web
In XX/XX/XXXX we applied for a loan modification with our current lender XXXX XXXX XXXX. In XX/XX/XXXX we started the 3 month trial payment for this modification with a payment of {$2700.00} per month. XXXX and XXXX these payments were sent to XXXX XXXX XXXX and then in XXXX we were told that the loan was being sold to BSI Financial and that we had to send our last payment in XXXX to them. We did so. Payments on the trial period for XX/XX/XXXX called in on XX/XX/XXXXPayment called in for XX/XX/XXXX called in on XX/XX/XXXXPayment for XX/XX/XXXX mailed on XX/XX/XXXX cleared on XX/XX/XXXXOur last statement from XXXX XXXX XXXX dated XX/XX/XXXX said our balance was XXXX and that we had a negative escrow of XXXX - grand total due was {$13000.00}. Our statement from BSI on XX/XX/XXXX said we owed XXXX with {$13000.00} dueXX/XX/XXXX said we owed {$380000.00} with a total due of $ XXXXOn XX/XX/XXXX we got a annual escrow statement from XXXX XXXX XXXX stating we were short XXXXOn XX/XX/XXXX I got an escrow statement saying we were short - {$3000.00} and that my payments starting on XX/XX/XXXX would be $ XXXXXX/XX/XXXX XXXX payment was made on XX/XX/XXXX for {$2700.00} - XXXX at BSI told me to make it for the same amount and that underwriters were converting it and it was approved for modification. The next statement on XX/XX/XXXX said we now owed XXXX with total due of {$22000.00} - jumping nearly XXXX. I then payed {$2700.00} on XX/XX/XXXXOur next statement on XX/XX/XXXX said we owed XXXX with a negative escrow of - {$6900.00} - total due of {$22000.00}. I paid another {$2700.00} on XX/XX/XXXXOur statement on XX/XX/XXXX said our escrow was XXXX with a total due of {$22000.00} and outstanding balance of {$380000.00}. XXXX XXXX I paid $ XXXX XXXX I got an escrow update stating my new payments starting in XXXX would be {$2600.00} and as of XXXX XXXX the shortage was - $ XXXX never got a regular statement since then. In XXXX XXXX we received paper work to sign for the modification. The agreement said we owed {$390000.00} XXXX consisting of unpaid amount loaned to the borrower plus and interest and other amounts capitalized ... '' it said we had to promise to pay the unpaid principal balance plus interest with first payment starting XX/XX/XXXX for XXXX P & I, {$640.00} taxes and insurance for a total of {$2600.00}. We asked to see where the payments were going since XXXX - XXXX. We just asked to see statements of payments from our trial periods and where exacting money was going all this time. We had to sign these documents by XX/XX/XXXX. We left many messages for XXXX XXXX at BSI. He said his manager would contact us. He finally did state that he had found where BSI did not have a record of the escrow account that XXXX had set up while we were in the modification trial period and had no idea where that money was and was going to look into it and get back to me. That was nearly a month. I finally spoke to him on XX/XX/XXXX he had no recollection of the conversation. After a refresher - he once again said he needed to speak to his supervisor and would call me back that day. He never did. I emailed his boss - XXXX XXXX on XX/XX/XXXX and I spoke to her as well. She acknowledged a problem with the escrow and her and her manager were going over it. She never called back. We reached out again many times to both her an XXXX. Most of the time we got a machine stating the lines were busy and to not call back several times in order not to delay their response. On XX/XX/XXXX I paid {$2700.00} on XX/XX/XXXXI made a payment on XX/XX/XXXX for $ XXXX I paid {$2600.00} on XX/XX/XXXXXX/XX/XXXX I paid {$2600.00} on XX/XX/XXXX.On XXXX XXXX we received a notification that our supplemental modification was denied as we did not sign the modification and that we need to pay {$33000.00} to avoid foreclosure
05/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92883	Web
BSI continues to dodge questions and continues to not take any responsibility for blatant violations or accountability. First of all XXXX XXXX I do not think you understand the law. Also you are constantly dodging the questions. 10 times I have asked about the online access and not once have you addressed that. 2nd I understand the loss mitt file was denied. I am not talking about XXXX I am talking about BSI so if you could please stop dodging your responsibilities that would be great. Since BSI decided to deny loan mod application I am allowed to appeal which I did which you received on XXXX/XXXX/16. I received confirmation it was received on XXXX/XXXX/16 by BSI is date confirming receipt. So from that day of my appeal XXXX has 15 days to respond to me which it still has not stating needing either more information or why it was denied again. Instead you filed a NOD on XXXX/XXXX/16 which is DUAL TRACKING VIOLATION and sent to my attorney. You may try and deny those facts but those are the facts and in writing!!! The NOD was filed 10 days after confirmation of my appeal on the denial. I do not have excessive obligations and there will be a lawsuit on this now. In regards to your REINSTATEMENT I will pay the XXXX But I will not pay the attorney FEES of XXXX or your just FEES LINE which gives no description just trying to pad your money of XXXX and I do not agree with unpaid late fees of XXXX. These fees are extortion and fraudulent. Also the max attorney fees allowed in CA is XXXX This is the law and clearly another violation. violation of state usury laws unfair and deceptive acts and practices unjust enrichment negligent servicing breach of fiduciary duty, and breach of good faith and fair dealing. under, the first lien loan modification. ( d ) If the borrower 's application for a first lien loan modification is denied, the borrower shall have at least 30 days from the date of the written denial to appeal the denial and to provide evidence that the mortgage servicer 's determination was in error. ( e ) If the borrower 's application for a first lien loan modification is denied, the mortgage servicer, mortgagee, trustee, beneficiary, or authorized agent shall not record a notice of default or, if a notice of default has already been recorded, record a notice of sale or conduct a trustee 's sale until the later of : ( 1 ) Thirty-one days after the borrower is notified in writing of the denial. ( 2 ) If the borrower appeals the denial pursuant to subdivision ( d ), the later of 15 days after the denial of the appeal or 14 days after a XXXX lien loan modification is offered after appeal but declined by the borrower, or, if a XXXX lien loan modification is offered and accepted after appeal, the date on which the borrower fails to timely submit the first payment or otherwise breaches the terms of the offer. ( f ) Following the denial of a XXXX lien loan modification application, the mortgage servicer shall send a written notice to the borrower identifying the reasons for denial, including the following : ( 1 ) The amount of time from the date of the denial letter in which the borrower may request an appeal of the denial of the XXXX lien loan modification and instructions regarding how to appeal the denial.That is the law and that is what BSI has violated. For some reason you believe I am. Also XXXX did not call me on XXXX XXXX. He called on XXXX XXXX and I returned call with no call back. I have all of the history of calls on my phone and phone bill so there is no reason to lie about this. There is also no denying the SPOC with having conversations with. I have kept every single voicemail and I recorded all messages I left for him. As stated I will pay the XXXX. And I can pay that now so denying loan mod because of excessive obligations was someone in your company not do
11/05/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 77459	Web
Filed a complaint to BSI dated XXXX, but the main issue was totally left unaddressed. " Upon reviewing BSI 's response, the main issue to my complaint was left unaddressed. BSI primarily focused their response on the things that they tried to do, rather than address the problems that have occurred. I feel that BSI is trying to remove them from all liability by brushing aside the root of the problem. I am fully aware of the deferment agreement dated XXXX XXXX, 2015. However, my complaint refers to my diligent effort to try to work with XXXX XXXX XXXX to resolve my mortgage troubles, in XXXX 2015, which BSI made no mention of in their response. Your records should and will show that I have and am still communicating with XXXX regarding my mortgage. In the CFPB response letter, BSI claimed to have made " many attempts to offer financial assistance ... Unfortunately, no further workout options were explored and no payments have been made. Therefore, the attached Notice of Default and Intent to Accelerate was sent '' on XXXX XXXX, 2015. I will restate my original complaint again. I have been working closely with XXXX XXXX XXXX since XXXX 2015. BSI claimed that no further workout was explored, when in fact a viable option was not only explored but was also offered by XXXX XXXX. In XXXX 2015, XXXX XXXX offered a plan to allow me to pay around {$7000.00}, due by XXXX, to reinstate my mortgage and get my loan back on track again. XXXX XXXX was very considerate to give us until XXXX XXXX to reinstate the mortgage and to hold off the foreclosure proceedings. However, when I spoke to her on the last week of XXXX so that I can schedule the reinstatement, she advised me to set the funds aside so that she could request figures from my district tax to determine the full reinstatement amount. I had waited for the reinstatement figures for over a month. Your call records should clearly show that I called XXXX XXXX every Monday XX/XX/XXXX to follow up on status. I spoke to XXXX XXXX on XXXX XXXX and was advised that the figures have not come in yet and she was going to put in another request. XXXX XXXX called me the very next day, XXXX XXXX, and gave me very disheartening news. She told me no further options would be considered because I already had a previous modification XX/XX/XXXX and a deferment XX/XX/XXXX. She claimed to have no idea about this at all. She asked why I did n't tell her. I do not know anything about BSI 's modification or workout policies. How am I supposed to know what type of information to disclose to her unless I am being asked? I 'm not the underwriter and also, she has my account information in from of her. Why did n't she look up that information prior to offering me the option to reinstate, months before? Nearly 2 months have passed since I was ready to make my reinstatement payment, XXXX XXXX was now requesting that I make at least 5 months of payment, rather than the XXXX that we had previously agreed to. I requested a lower amount as I was only prepared to make the XXXX payments as she had originally offered. She outright refused any other term to help me save my home. I either pay this amount or surrender my home. That was my only XXXX options. At the end of XXXX, XXXX XXXX advised me that my account had not been referred to foreclosure yet. I continued corresponding with XXXX XXXX via email throughout the month of XXXX. On XXXX XXXX, she stated that my account was moved into foreclosure status in XXXX when I was unable to reinstate my mortgage. This all seemed very confusing as XXXX XXXX 's email appear to contradict itself. I feel BSI lied, mislead and coerced me into giving up my home. My complaint was centered on the issue that came after the agreement XXXX XXXX and I made in XXXX 2015. Because of this proposed agreement by XXXX XXXX, I did exactly wh
11/17/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92883	Web	Older American
This loan has been causing issue after issue and I will attach all pertinent documentation as this has been an ongoing issue with no one fixing it and then loan being sold 4 times in past 20 months. First I have been in my home since XXXX/XXXX/XXXX. My loan was with XXXX and to start I have found where the broker did fraud on pushing this loan through and robo signed items. Regardless I kept up with my payments. I paid XXXX for this home. I found over charges of XXXX on orgination loan. In XX/XX/XXXX the value of home dropped to XXXX. So I was stuck and continued to make my payments. XXXX offered to modify the loan but because of drop in market and before they offered to modify the ARM they said I had to do a trial forbearance. During this time I was making all payments on time. Unfortunately the bank went under but the FDIC bailed them out and then spent 8 months going back and forth on modification because of the trial mod instead of being up front on how it worked they were reporting loan late every month and then told me the trial mod that I made all payments to they were requesting a lump sum payment of XXXX which was never stated and illegal. The FDIC approved mod but then I was given a bait and switch as they sold loan to XXXX. XXXX is where it got worse. To this day they owe me XXXX for not paying my escrow and over charges and putting force placed insurance on house when I had my own insurance and had to pay my own taxes as they were stealing from me. My taxes were not escrowed with XXXX and my home owners insurance was only XXXX per year and taxes under XXXX per year. XXXX was charging me XXXX for bogus forced placed insurance and XXXX for taxes and not once did they reimburse. This was an ongoing fight as I would continue to fight the escrow and they kept saying I was wrong until the point it pushed it to the point I was paying my mortgage but the escrow was out of control with bogus charges. I fought them and they tried to file a NOD then cancelled when I kept pointing out the charges I was due a refund and instead of giving that they sold to XXXX in XXXX XXXX. Dealing with XXXX I kept asking for refund but they just put my loan in mod status of forbearance while they tried to figure it out. While going on this period they did not allow me to make payments. I then received a loan mod offer from them XX/XX/XXXX I reviewed it still did n't receive status of XXXX in over charges from XXXX still not reconciled and when I called to go over they said they sold my loan to XXXX XXXX. XXXX never sent me anything. I finally called them in XXXX XXXX and they would not even give me what my acct # was. I sent them multiple QWR 's and zero response. In XXXX when I called she said XXXX sent them a mod paperwork but needed a form and they never sent me anything. Now it was sold to BSI Financial who just sent me a note saying they bought my XXXX/XXXX/XXXX. Then XXXX they sent plan to foreclose and within that 2 weeks time did not send me a statement just stating I owe XXXX when my loan should be XXXX on first I have XXXX loan as well. I have called multiple times and XXXX message back from XXXX assigned SPOC XXXX XXXX who stated in message he did not get back to me because I now have another XXXX but would not give name. To this date BSI has never sent a monthly statement or explained these so called charges they are trying to charge me of XXXX to reinstate my loan that has been kept in modification cycle of hell. XXXX servicers not servicing, keeping it in mod purgatory and not accepting payments, not following RESPA, stealing and not paying taxed, FRAUD, Securitization and not following California Homeowner 's Bill of Rights with BSI right now. Today is XX/XX/XXXX and I am overnighting again the loan mod info to BSI. I just want to make my normal payments which I can do.
04/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20747	Web
My name is XXXX XXXX and I believe that BSI Financial Services has given me an unlawful HAMP Teir 2 load modification. Well let me start from the beginning, XXXX XXXX XXXX sold my loan to BSI Financial on XX/XX/XXXX. I got a call from a XXXX XXXX with BSI Financial around that time where he introduced himself and welcome me to XXXX and informed me that my loan was brought by his company. Then his next sentence was to tell me that I need to do a short sell on my home and that BSI Financial would give me a loan modification. He even said that I should of had known that this day was coming. So I said to him, wow you welcome me to your company and you are putting me out of my home all at the same time. So, I said this is a lot to take in. I asked him for his number and I told him that I would call him back tomorrow. I did n't have to call him back, because he started harassing me and calling me several times a day telling me I need to do a short sell. So I contacted the White House and wrote a letter to the President concerning this matter and I also got a third party representative, XXXX XXXX XXXX XXXX from the HIP Program and the harassing phone calls stopped. Now fast forward to my recent issued with BSI Financial. The reason I say they are giving me an unlawful HAMP Teir 2 modification is because they never paid my all of my escrows for my mortgage. They only paid my property taxes back in XX/XX/XXXX but they did not pay my homeowner 's insurance and XXXX was included in my mortgage. BSI Financial never notified XXXX that they were not going to make a payment. XXXX XXXX of XXXX notified me in early XXXX that BSI Financial had not paid my homeowner 's insurance. He contacted BSI Financial and he was told that he needed to send the policy to another number. Then in the end of XX/XX/XXXX XXXX XXXX called to inform me again that BSI Financial did not pay my homeowner 's insurance. So I called BSI Financial and spoke with XXXX of their representatives were I was informed that BSI no longer paid homeowner 's insurance on " these type of loans '' which was a direct quote from the representative. I ask her what did that mean and she could not tell me and kept repeating the same quote. So I asked her why BSI did not send me anything in writing to notify me of the changes. The BSI representative said that a letter was sent out to me in XX/XX/XXXX stating that they were only going to pay my taxes and not my homeowner 's insurance. I informed her that I never received that documentation and that I had received all of their correspondence in the past. So I asked her to send the letter out to me stating that BSI Financial is not going to pay my homeowner 's insurance, which they did by the end of XX/XX/XXXX. So around the XXXX week of XXXX I receive a letter from BSI Financial stating that they have given me a HAMP Teir 2 Home Modification and that starts XX/XX/XXXX I was so excited because I want to be able to afford my home but when I started reading the amount I notice that my mortgage went up from XXXX to XXXX and I have to pay this amount for XXXX, XXXX and XXXX. This amount do not include my homeowner 's insurance which I had to pay myself and after the three month trial I will have a modification with BSI Financial and they will include my homeowner 's insurance. Now my new " Monthly Mortgage Payment '' is a mystery because BSI Financial can not tell me how much my loan is going to go up after the three month trial period. And they say this is a HAMP Modification. I am not a professional when it comes to modifications but I do know that your payment is supposed to be lower so that you can afford your home and that it would not change after the three months trial period. I would appreciate it if someone could help me concerning this matter. Thank XXXX XXXX
05/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60619	Web
Dear Consumer Finance Protection Bureau : We are writing you this letter to ask for your assistance with saving our home of 20 years, we have tried to seek the assistance of our bankruptcy attorney and have not had any success. We filed a chapter XXXX bankruptcy on XX/XX/XXXX to save our home of eighteen years then ( we filed bankruptcy because I was injured on duty at XXXX XXXX XXXX and was unable to work overtime and my part time job, which made us fall behind ). We started making our monthly mortgage payments and the monthly payment plan was taken out of my payroll check ( bi-monthly totaling {$950.00} per month ). XX/XX/XXXX we received a letter from BSI Financial stating they were servicing our loan and to send all future payments to them. Approximately late XX/XX/XXXX BSI Financial sent us a letter stating we had not made a payment since XX/XX/XXXX. My wife called the attorney representing us in our Chapter XXXX Bankruptcy case, Attorney XXXX and was instructed by him to gather all payment records since XX/XX/XXXX and send them to him, which my wife sent him the copies we had. She informed him that she had to request some copies of canceled checks from the bank ( due to dates being over 12 months ). We received a notice to appear in court on XX/XX/XXXX, my wife called Attorney XXXX and asked if we should appear in court, and was told no he would file for a continuance. We later received another notice to appear in court XX/XX/XXXX, which we thought Attorney XXXX was handling our case per his previous conversation with my wife. In XX/XX/XXXX we received a letter from XXXX XXXX 's office stating do not ignore this notice, my wife called Attorney XXXX and read him the letter and he said " The courts allowed the mortgage holder to take the home out of bankruptcy and allowed them to proceed with the foreclosure, '' sorry about that. '' My wife went down to XXXX XXXX XXXX to see what could be done, she was told to go to the basement to the legal department. The receptionist looked up our case ( # XXXX CH XXXX ) and asked my wife if we had an attorney or were we in mediation. My wife told her our attorney was Attorney XXXX, she stated there was not an attorney on file, and no one ever showed up on our behalf or filed any type of motions or continuances. On XX/XX/XXXX we picked up uncashed cashier checks for our mortgage payments from Attorney XXXX who had us to send to his office ( that were made out to the mortgage company ), we had no idea he still had in his possession. Also the bankruptcy payments were still coming out of my check and being made to the mortgage company ( until XX/XX/XXXX they stopped accepting them ). We believe that this entire situation could have been avoided if we were represented properly. Our main goal was to protect and maintain ownership of our home now of 20 years and to provide our children with the stability of the only home they know of. I am a XXXX for the XXXX XXXX XXXX ( which I have to maintain residency within City limits ) and my wife has returned to work as a XXXX XXXX for XXXX XXXX ( after being XXXX XXXX with our children for 16 years ) we can more than afford our home. We have asked the mortgage company for a Modification and or the amount to reinstate the loan and they said no to both options. We are pleading with you to assist us in any way you can to keep our home that should not have been allowed to be taken out of bankruptcy. We have retained several attorneys and have paid several companies that said they would help us and did not, you are our last hope. There is a sale date of XX/XX/XXXX Thank you for your time. We truly hope that you will consider our circumstances and help us to keep our home. Sincerely, XXXX and XXXX XXXX XXXX cc : file Day : ( XXXX ) XXXX / Evening : ( XXXX ) XXXX
08/06/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30157	Web	Servicemember
On XX/XX/2019, my XXXX representative, XXXX XXXX, and I spoke with XXXX XXXX with BSI Financial, regarding my loan modification file that was submitted to them about a week prior to our phone call. Upon us speaking with XXXX, she informed us she received the request but, how she feels it's not going to be approved. My XXXX representative advised her that it's not your place to say whether or not it's going to be denied, will you go ahead and just submit it. After being advised of such, XXXX once again repeated how she feels it's not going to be approved and stated that the reason will be because I just had a modification and I need to look into lowering my home owners insurance and have my property taxes audited. She also stated how she pays XXXX XXXX or whatever dollar amount for her homeowners insurance there in California and that I need to find something cheaper to help with getting my escrow out of the negative and again, because of that, they're not going to approve it. My XXXX rep. responded to XXXX reminding her how things happen in life and 4 years ago and should not be considered as a " just '' moment. I also pointed out to XXXX that my last modification was about four years ago. After hearing XXXX condescendingly repeat those words to me, I frustratingly told her, my situation have changed dramatically since then and that she doesn't have to keep repeating, " they're not going to do it '' and not be so rude in how she's speaking to me. I did included in my hardship letter the reason I fell behind was due to a bad car accident I was in two years ago, where to date, I'm still missing days from work, as a result of, the pain I'm still in. The accident resulted in me having XXXX XXXX, XXXX XXXX, XXXX, and a XXXX XXXX in my neck. After hearing and feeling XXXX 's negative advise and her rude repetitive deliverance of her choice of words, I decided at that point I don't want to speak with her or even have her handle my file. Finally after the back & forth between us all, XXXX said she's going to submit the file. After hanging up with XXXX, XXXX, with XXXX advised that I call BSI Financial and ask that they assign someone else to my file. I took XXXX 's advise and called BSI the next day. Unfortunately, I didn't write down the person that answered my call which was a big mistake and I regret tremendously because, this person was no better with his attitude than XXXX. Upon verifying my info, after inputting it with their automated service, I was asked to do so verbally by this person and he got upset with me for asking, why do you guys have the automated system ask you all these questions, if you reps. are going to do so too? His reply was so nasty. He replied, " well mam, I'm trying to help you ''! I instantly replied by asking him, " Why are you guys so rude and nasty there ''? Then I asked for a manager over XXXX XXXX. His reply, I am one of the managers over XXXX, what's the problem? Against my frustration, I did explain how I wanted to request for someone else to handle my file besides XXXX, due to how short, condescending, and the impression of I was bothering her to do her job. He replied by saying, well, your file was denied, I'm looking at it right now. It was denied by the investors, due to debt to ratio. I just got quiet and told him, " I've never dealt with such a rude company in my life ever '' and I just hung up. I hung up because, in that moment, I was in tears and felt so judged, defeated, and hopeless. Yet, just yesterday, XX/XX/19, I received a letter from them saying, that my file is being reviewed and now, I'm so confused. I just wanted to make this complaint in an effort to help the next person not to have to experience what I did because, it hurts to be treated that way and it's not right.
06/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33463	Web
My mortgage loan was transferred from XXXX on XXXX XXXX, 2015 to Loan Servicer, BSI Financial Services ( " BSI '' ). Since the loan transfer, despite Federal regulations that original loan servicer is to process loan for XXXX days from the date of loan transfer, XXXX has rejected XXXX most recent payments within the XXXX day period of loan transfer. Since the transfer, BSI is acting in violation of XXXX District of Florida Bankruptcy Court Orders and the Automatic Stay. I have made several attempts since XXXX XXXX, 2015 to resolve the matter by providing related Court documents regarding the loan to senior management at BSI, including EVP & Gen. Counsel, XXXX XXXX, Default Operations Supervisor, XXXX XXXX, and the XXXX different agents assigned to my loan, XXXX XXXX and XXXX XXXX. After XXXX months since the BK Plan Confirmation and Court Ordered modification of loan terms, two months since the loan transfer and XXXX month of calls and emails to BSI, my account still incorrectly shows that it is in default status and does not reflect the Confirmed Plan of Reorganization loan terms. In response to BSI Financial Services ' letter dated XXXX XXXX, 2015 alleging debt in the amount of {$460000.00} owed to their client, XXXX XXXX XXXX, please refer to the attached letter disputing the debt amount dated XXXX XXXX, 2015 which was faxed to BSI. The amount alleged is not the amount that was confirmed in the plan of reorganization, XXXX District of Florida Bankruptcy Case Number : XXXX, ( the " Plan '' ). Per the Plan, the secured claim for this property was confirmed as follows:XXXX Class XXXX. XXXX mortgage of XXXX XXXX XXXX ( XXXX ). This Class consists of the secured claim of XXXX XXXX XXXX by virtue of a XXXX mortgage recorded in the XXXX XXXX of XXXX XXXX TheDebtor will pay the value of the collateral, {$450000.00}, as a re-amortized XXXX mortgage, together with interest at the rate of 4.25 %, in equal monthly installments over a period XXXX months from the effective date of this Plan or the date that the Court orders Adequate Protection to the Creditor, whichever is earlier. The Debtor in Possession and mortgage holder shall execute whatever documents are necessary to effect the modification of the foregoing loan in the Public Records of XXXX XXXX To the extent that the foregoing mortgage secures an escrowed loan, then the escrow portion of the payment shall beadded to the principal/interest amount and calculated in any new payments to be maintained under this Chapter XXXX Plan. XXXX XXXX XXXX is requested to provide the new escrow amount upon confirmation. All default terms will remain the same as were under the original terms of the note. Class XXXX is impaired by the Plan. The holder of a Class XXXX claim is entitled to vote to accept or reject the Plan. Each holder of an allowed Class XXXX claim shall retain any lien encumbering real property of the Debtor in Possession. see Section B. CLASSIFIED CLAIMSClaims and interests shall be treated as follows under the Plan : RE : ESCROWS : The only outstanding escrows are the pro-rated portion of the bi-annual payment paid subsequent to the Plan confirmation on XXXX XXXX, 2015. The XXXX half of the annual billing payment period in XXXX is XXXX. ( see XXXX Office of Tax & Revenue Real Property Tax Bills Due Dates ) RE : Plan paymentsThe Certificate of Substantial Consumation, dated XXXX XXXX, 2015, under penalty of perjury, states that the initial payment had been made on this loan per the Plan. The Order Granting Debtor 's Motion regarding the plan. Item # XXXX of the Order states, " As set forth in 11 U.S.C. 1141 ( a ), the provisions of the confirmed plan and confirmation order shall continue to bind the Debtor, the creditors, and other parties in interest. "
02/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 338XX	Web	Older American
I have been in a hardship situation for 2 years. I was forced to stop making my mtg payments XXXX XXXX. I was in the process of a loan modification with XXXX XXXX XXXX whom is the servicer of my mtg. ( I think ) I was turned down last spring, because I did not have a job and I needed proof of income to make my payments. My situation has now improved, as I now have employment and proof of income to make mtg payments, so I opened up a dialogue again per XXXX instructions and with the law firm handling foreclosure on behalf of XXXX early XXXX XXXX. I was told by the XXXX law firm they had a mediation dept. that would help me work with XXXX to modify my mtg and help me get a more affordable mtg payment. On XXXX/XXXX/XXXX, I received a letter dated XXXX/XXXX/XXXX, from BSI Financial stating that my loan had been sold XXXX XXXX, XXXX. I was not sure it was real being a plain white envelop and paper with no letter head or verifying info. This was 3 weeks prior to my conversations with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL regarding a loan modification workout. Since I received that letter, I have spent days trying to find out the status of my loan is with no outcome. No one has information to give me an update and whom I 'm to talk to to stop further foreclosure actions now that I have the ability to get current and make my mtg payments. 2 days ago, I found my home listed for sale on a realtor website. I have not every listed my home for sale and I have confirmed through the county court that my home was never foreclosed on. I have not been able to determine who listed my home on the site. I wish to save my home and have worked hard to turn my life around and afford to live in my home. During this time, I was XXXX on XXXX XXXX, XXXX. I am desperately trying to start a loan modification prior to my XXXX and have communicated this to all that I have talked to asking for supervisors to help me. No one can find my loan and no one can give me any update or status as to what is happening. In the meantime, my home is filed with the XXXX XXXX in XXXX XXXX XXXX, Case # XXXX, for a foreclosure date to be set and I ca n't stop that progress while my mtg is unable to be found. I am hopeful the your organization can get involved and find out where my mtg is and help me find the persons/department that can talk to, to stop a auction sale while my mtg loan is processed by WHO?? I can save my home financially, but I have no one I can reach to start that process. Every phone number I 'm given takes me to either a brick wall or takes me back to the original place BSI Financial ( servicer ) or XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( new creditor/investor ). I can not reach anyone at the trust, XXXX says the trust has my loan and they do n't have access and BSI says they have no information. I 've gone in this circle for days. My XXXX is this Friday and I must have a home to recover in and I am prepared to do what is needed to save it now that my circumstances have change that will allow me to do so but I ca n't reach anyone and no one will try to help me even though I have explained my situation and ability to pay my mtg. PLEASE HELP ME! This is the craziest situation! XXXX and their law firm was negotiating with me on a loan they did not own anymore and the info sent to me explaining my rights and providing me contact info to call goes no where with no one that can help me. All the while my home is listed in the court system to sell at auction once " they '' who ever that may be, forecloses while I 'm having XXXX. I 'm told that I could come home and the locks will be changed and I 'm on the curb homeless while I have the ability to get current and make my payments. PLEASE SAVE MY HOM
09/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75043	Web
For the past 15 months we have attempted to work with Servis One , Inc. dba BSI Financial Services ( " BSI '' ) in applying for a HAMP Modification loan originally filing paperwork with BSI in XXXX with changes that were suggested/requested by our BSI Representative ( " Rep '' ), and re-submitting the new paperwork XX/XX/XXXX, via email. In XXXX we notified BSI via phone to a new representative of an increase in income and sent requested payroll stubs on Borrower 's spouse to BSI Rep via email and received confirmation of receipt & that the info would be forwarded to BSI Underwriting. In XXXX we learned the underwriting department had not approved our requested HAMP modification based on our income. Through research we learned this was based on the old income information & not the updated info sent in XX/XX/XXXX. We resent the new payroll stubs from XXXX in XX/XX/XXXX to another BSI Rep. We kept in contact with this BSI Rep via email. In XXXX received confirmation via email of approval of HAMP modification & that info would be forth coming. Kept in contact with BSI Rep via email & phone through XXXX & XX/XX/XXXX requesting Good Faith Statement & Trial Modification Payment information multiple times. On XX/XX/XXXX, received the following email from BSI Representative, " Thanks for your email. The HAMP Trial modification letter has still not been completed and sent to you. I will let you know when the underwriting department has finished that document and mailed it out to you ... '' Than on XX/XX/XXXX received a voice mail from a BSI Rep who I contacted the next day to be informed that a denial letter was sent to us the week of XX/XX/XXXX via mail and what were we going to do. We had not received this document. This XXXX BSI Rep than sent via email the following message, " ... I have some bad news, you have been denied for a modification. It appears that all trial payments were made but upon re-evaluation ( HAMP requirement ) you are out of income compliance based on the program. '' Big concern at this point is we never received the Modification Trial Payment documents & we never made any trial modification payments to BSI. This is also the XXXX email communication that indicates we were approved for HAMP modification but we never received paperwork. I than email to this BSI Rep the emails we had received previously of confirming approval by BSI of the HAMP Modification and the Rep says he will forward to BSI Underwriting Department and get back to us. On XX/XX/XXXX, we received via email official notice from XXXX a letter of denial to the XXXX XXXX XXXX and given 30 days notice to appeal. In this letter the appeal deadline is dated XX/XX/XXXX, which is the date of the letter. I immediately replied via email to the XXXX BSI Rep stating we have 30-days to appeal & need a new denial letter from BSI indicating the correct appeal time frame & due date. We received via email a corrected BSI denial letter dated XX/XX/XXXX, & I replied to the BSI representative indicating we would be appealing. On XX/XX/XXXX via overnight courier & email sent appeal letter to BSI & received confirmation from XXXX and via email from BSI that they received the appeal letter & forwarded letter and attachments to their Underwriting department and that they had 30 days to respond. Via email on XX/XX/XXXX BSI was informed that Borrower 's spouse accepted a new position with a large increase in pay effective XX/XX/XXXX and would provide new paystub as soon as received. On XX/XX/XXXX, new paystub reflecting increase in income was emailed to BSI and we received confirmation of receipt and that the information was being forwarded to BSI Underwriting Department. Now, XX/XX/XXXX - no response.
06/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	DC 20011	Web
This complaint is against BSI Financial. I applied for a mortgage loan modification in XXXX XXXX, XXXX XXXX and appealed the second denial on XXXX XXXX, XXXX that took more than 9 months to be reviewed. I inquired weekly to confirm my application was complete, however, BSI failed to communicate efficiently, despite numerous emails and phone calls to my fifth contact person inquiring if there was any additional information needed to complete the loan application I received no response nor returned phone calls. This was a very difficult time due to being behind on my mortgage. I attempted to inform my customer service representative my financial situation [ i.e., income ] had improved since the initial application. I finally received a denial letter, however, it did not provide sufficient information regarding why my modification request was denied. I appealed this decision and never received a response to my appeal. I was advised to reapply and provide updated financial information. I reapplied for a loan modification in XXXX XXXX, and the BSI contact was very rude and told me that I would be denied and it was n't worth refiling and from the original application BSI had collected my gross income incorrectly and stating I made more than what I originally make so this time along with a consumer advocate. All the documents were submitted at once to circumvent any delayed delivery. My consumer advocate called several times and left messages inquiring about the status of my new request and no phone calls were returned. Today, I called XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and so on ] and requested that I speak with my BSI customer service representative. Finally the representative came to the phone but opted to call me back. Her first statements were a disclosure indicating that the call was being recorded. I asked specific questions regarding why my original request for modification was denied. The representative was unable to provide any detailed information, despite having my customer advocate and me on the phone for over 40 minutes. My specific request was for the amount of debt that was reported in the initial application and the amount of reported and verified income. I wanted to understand WHY my initial application was denied. When I reminded the representative that I wanted these responses a part of the recording, she quickly ended the call. My complaint is specifically related to the following : 1 ) lack of timely communication ; 2 ) failure to respond to my request for a qualified written response as outlined in my appeal ; 3 ) receipt of a demand letter during an active modification application process. I have the name of the specific customer service representative ( s ) who rudely ended the call. I never indicated that I was recording the call. The representative did. I am gainfully employed with sufficient income to pay a reasonable monthly mortgage. BSI has started the foreclosure proceedings 15 days after my last modification application was denied due to insufficient income, and we have been trying to contact them on the status of my latest situation on my home, and my consumer advocate has been calling and the latest representative from BSI has never responded on the status of my situation until. Playing phone tag. 1 ) I was just served with court summons and paperwork of my home presale/foreclosure, 2 ) the paperwork I received I 've noticed an application I 've never seen from my previous servicer XXXX, 3 ) there were documents with my signature was forged. I believe this matter needs investigation from the CFPB to ensure my rights are not being violated.
12/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL XXXXX	Web
BSI FINANCIAL SERVICES XXXX ... XXXX. SOLELY IN IT CAPACITY AS SEPARATE TRUSTEE OF XXXX I am the Product of Dual-tracking that is prohibited by 12 C.F.R 1024.41 ( g ) and the National Mortgage Settlement. The debt has been sold and transferred and sold many times. I have spent a fortune on lawyers over these 8 years trying to modify my loan. XXXX refused to take my payments. I 'm XXXX year old ( been a single Mother since I first purchased my home ... my goal was to pay my home off by now after almost 25 years! Instead, those payments have been ADDED and used as profit for the current investors! BSI Financial Services states they are my new " Servicer '' ... transferred/sold from XXXX Bank. Not complied with Section 6 of RESPA ( 12 U.S.C Section 2605 ). The new creditor is XXXX SOLELY IN ITS CAPACITY AS SEPARATE TRUSTEE OF XXXX to whom the debt is owed. XXXX Assets is an investment company that specializes in the evaluation, acquisition, management, and sale of distressed debt and real estate. The XXXX provides debt and equity capital to create and preserve affordable rental housing throughout the United States. Does this mean they take from the poor to give to the poorer? I wrote to BSI financial on XX/XX/XXXX and have not received reply with response to my issues. I sent them the appropriate documentation proving proof of payments that previously had been denied. The robot stamping of the note " copy '', the notification letters NOT sent to me at my address and property in question. If the XXXX is to preserve affordable housing throughout the United States, why would they want to hurt me? All I have been trying to do since 8 years ago, is try to modify my loan, and honest and hardworking woman ... when President Obama firstly created the Hamp Program for the very reason to help people like myself. I want fairness and kindness and truth ( not lies ). I have been treated wrongly by the Banks starting with XXXX Bank who continuously and monthly for over 5 years tell me I did n't send the paperwork in on time .... truly ridiculous and stupid and lies. It 's been abusive! NOTICE OF ERROR I, XXXX ( hereinafter referred to as the " Borrower '' ) in connection with the following Notice of Error under 12 C.F.R. 1024.35, and in connection with a Request for Information pursuant to 12 C.F.R. 12 C.F.R. 1024.36 that is sent contemporaneously with this Notice of Error. FACTUAL BACKGROUND Prior to the Notice of Assignment of Servicing Rights dated XX/XX/XXXX, Loan Number XXXX was being serviced by XXXX ( a different loan # ) ( hereinafter referred to as " XXXX '' ) /XXXX ( hereinafter referred to as " XXXX '' ). I was in direct contact with XXXX. In early XXXX, I began experiencing some financial duress due to lack of employment. I paid my XX/XX/XXXX and XX/XX/XXXX payment ( of which they claim they never received, however, I have the document receipts to prove it they in fact did receive ). XXXX then provided me with temporary relief in the form of a Forbearance Agreement that commenced from XX/XX/XXXX through XX/XX/XXXX. ( I, by the way never asked for that, .... they sent documents telling me that ). ( proof of documents on file ). XXXX agreed to evaluate me for a loan modification if I provided CHF with current financial information. I made all of the payments that were required of me! I provided all of the documents and financial information that was requested from me all the time. I contend that the banks violated 12 C.F.R 1024.41 ( d ) by not providing me, in writing, for specific reasons for such denial. The banks further compounded this error by not providing me with a right of appeal of the decision in writing.
03/28/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92337	Web
BSI Financial Services Investigation BSI Financial Services Investigation BSI Financial Services ' ( " BSI '' ) has reportedly used false advertising and illegal loan servicing practices according to recent customer complaints. It has been reported that BSI does not follow the terms of home loan modifications, and the company has not always been clear when it comes to its policies and regulations. BSI also allegedly refuses to accept payments, which can force homeowners into foreclosure. Furthermore, BSI reportedly uses collections bureau tactics and harassment when dealing with its customers. If you or someone you know has ever been a customer of BSI, there may be grounds for a claim. Please use the form on this page or contact us at XXXX to see if you are eligible to take part in a class action lawsuit. Background on Alleged BSI Violations BSI 's alleged unethical and possibly illegal loan practices include, but are not limited to : Putting up houses for auction when all payments have been made Trying to repossess cars Never giving tax or mortgage statements Canceling homeowners ' insurance without notice Not answering phone calls or returning messages Refusing to accept payments when due Using collection practices on its customers Harassment customers via letters and phone calls It has also been reported that BSI falsely promises a clear and easy way of loan modification that complies with governmental regulations. Actually, BSI 's practices allegedly violate such regulations. Further, it is alleged that BSI does not accept multiple payment options, nor does it afford customers a variety of options in their loan modification. For more information on how unfair business practices harm people, click here. Despite claims that BSI customers will have a single agent to call for any loan payment and solving issues, customers reported often having trouble getting in touch with their agent to get help with problems. Allegations have been reported that there have not been regular statements of balances and payments. Customers have also reported getting terrible customer service and have reportedly been unable to reach anyone at BSI to address their concerns. BSI allegedly claims that it has an attorney network across the country to help with bankruptcy notifications and filing, and to manage any litigation or eviction process. However, customers have reported that no such help was provided. Further, it is reported that BSI has put houses up for sale even though all payments were made in a timely fashion. BSI is also alleged to have tried to repossess cars and refused to accept timely payments. In terms of keeping track of payments and amounts due, it has been reported that BSI routinely does not issue tax and mortgage statements so customers do not have a clear idea of the amount they owe. Although BSI reportedly made all of these promises, its customers have complained that BSI has not always been clear about its policies and procedures. There have even been complaints of BSI violating the policies and regulations which apply to loan modifications. Contact Us To Protect Your Rights For more information on how class action lawsuits help average people, click here. If you or someone you know has suffered any of the above practices from BSI, you may be part of a class action lawsuit. Please reach out to us and help in this investigation against BSI 's alleged unfair and unlawful practices. Please call us at XXXX.
02/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92883	Web	Older American
First this is my XXXX issue with BSI. The last complaint I attached all the emails and lock out from being able to access information online and they have never addressed that. Now they are denying modification with inaccurate information. XXXX I received your letter denying my loan modification. First I have 30 days to appeal so I have until XXXX XXXX to appeal. I will be appealing please send out your forms for appeal. I will also be sending a copy of this email in mail as well as sending copies of this to the CFPB today online. As for having everything in writing and having proof of all that that is delivered fax and tracked to BSI. In regards to denial the loan mod using reason stating I rejected or denied or did not pay a previous loan mod that is false information. I know that your company tried to say that I did not honor XXXX from XXXX but BSI does not even have the correct information. I have copies of every email and every letter from XXXX. I never signed or rejected a loan mod from them. Reasons being they sent me a loan mod which was dated XXXX/XXXX/XXXX but was not sent to me til XX/XX/XXXX after XXXX. The contract stated it had to be signed and returned to XXXX by noon on XXXX/XXXX/XXXX other wise null and void which is illegal. Borrowers are to be given 14 days to accept or reject. They sent out a false and nullified on their own part contract. They did not overnight anything and just put in USPS and not until XXXX/XXXX/XXXX. I then went to them for months getting them to fix the dates and had lawyer file papers about them violating the CHBOR because they did with that. I have proof of everything also with the Ombudsman and his emails. They then were to send out updated forms and instead of doing that they sold this to XXXX. As stated in previous documents sent to BSI Financial, XXXX never once contacted me!! Not once did they return a QWR, return a phone call nor send my anything about a contact. I called in on XXXX/XXXX/XXXX at XXXX pm I can pull up all phone records and I have this call recorded so I still have that proof as well. What was stated on phone is XXXX sent over you loan modification forms for approval and they are still being reviewed. They were under review for 9 months between both and nothing. Even before XXXX owes for over payments on Escrow with phony force placed insurance to the tune of XXXX which I am still waiting for. So NO I have never been on a loan mod or rejected one. Secondly did you read my hardship letter. I do not have excessive obligations as my father has passed away and I am no longer paying his care which was XXXX a month and I am now XXXX. So I can pay the XXXX a month no problem. So to be honest I still have not spoken to you on the phone or had return calls back. I have requested in writing multiple times for a specific time you will be avail so we can discuss this with nothing back. I am just unsure why BSI is not willing to work with a borrower who wants to pay. Nor do you give me any other solutions, such as repayment plan, forbearance. I am wanting to repay and reinstate. My brother and I are selling my fathers home and going through his finances, I will be getting a tax refund, I also just took a consulting job which will pay me an extra XXXX-XXXX per quarter. So instead of finding every way to not work with me why do n't you help find a solution. I do not agree with total that is stated owed nor do I agree with these random fees for XXXX I
01/12/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32216	Web	Older American
I offered the, Deed in Lieu of Foreclosure, option in that, I would agree to vacate the property. I noticed on the, BSI Financial Website, that the company had a, " Cash for Keys Program, '' provided as needed. I asked about the Program, and was told that they, ( BSI Financial, ) would be glad to help. So, I mentioned a statement from the XXXX XXXX XXXX to BSI Financial, concerning, the Cash for Keys Relocation allowance, being raised from {$2000.00}, to {$3000.00} per property. Reference :. The Cash for Keys ' Relocation allowance is being raised to {$3000.00} per property ( from {$2000.00} ) to provide a greater incentive for, owners or occupants to voluntarily vacate a property. The new allowance is effective for all FHA insured mortgages for which a foreclosure sale or non-conveyance transaction is scheduled on or after XXXX XXXX, XXXX. BSI Financial told me that they could help, with the, " Cash For Keys Program. '' But, the loan was no longer FHA, and the FHA website information would no longer apply. The cash amount to help with relocation, would be determined by the new owner. BSI Financial said that they would have someone call me, and set up an appointment, to view, and take pictures, of the property. BSI Financial does not return my calls, and no one has contacted me, to set an appointment. Although the property is, no longer under FHA, my questions are as follows : " Why would, any company be, unfair, to those that are not under FHA? " And, why does BSI Financial, refuse to return my phone calls, when I voluntered, the, Deed in Lieu of Foreclosure, option? '' I had a, phone, conversation with a Representive, of the Hardest Hit Program. After considering, all, options, he recommended, the, " Deed in Lieu of Foreclosure, option? '' Using that option, we decided that I would no longer be, financially, able to keep the property. I asked him about the, " Cash For Keys Program. '' He said that the Servicer of the loan, would be the one who would handle that program. The Servicer is, " BSI Financial. '' I receive the mortage statements from, BSI Financial. After speaking with the representative from The Hardest Hit Program, I have been, dilligently, trying to make contact with BSI Financial, to discuss the, " Cash For Keys Program, and the, Deed in Lieu of Foreclosure. '' Although I have left messages, BSI Financial, has not returned my calls. I am XXXX XXXX XXXX, and I am living with XXXX XXXX. And, because, BSI Financial, evidently, does not consider, my situation, and they are causing, un-necessary, mental, XXXX, that is causing, anguish, and XXXX. I only want to be treated, as fairly, as any other, United States Citizen. I finally, called the Consumer Financial Protection Bureau, a U.S. Government Agency that makes sure Banks, Lenders, and other Financial Companies treat you fairly. They advised me to file a complaint, concerning, BSI Financial. I received a letter from, XXXX XXXX XXXX, stating that the final hearing had been moved from, XXXX/XXXX/XXXX, to, XXXX/XXXX/XXXX. They did not explain, why, it was moved forward. XXXX last, complaint : XXXX XXXX XXXX would not reduce any of the, principle, because, FHA, loans did not qualify. Now, because, BSI Financial, is not, FHA, they do n't have to follow any of the FHA, rules, regulations, or suggestions. " TO BE, OR, NOT TO BE, FHA! '' Why ca n't the finance companies, get on the same page? Not good practice! Inequality, prevails!
04/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30045	Web
I am writing this on behalf of my client, who is being railroaded by BSI FINANCIAL SERVICES. I am doing this because I have firsthand knowledge of the unethical behavior of this servicing company. When I met her they gave her the run around on a loan modification for months and months until she had to ruin her credit and file bankruptcy to prevent foreclosure. Once I met her I engaged BSI to do a short sale and right away they started breaking local and federal laws. They first demanded to control pricing which they can not do because they do not own the property. I was threatened and told the list the property and unrealistic amounts. I was cursed at by XXXX XXXX, and at some point he called and intimidate the already frightened and pregnant homeowner. While the file received no offers despite me providing them evidence of large repairs needed on the property, they refused to drop the price so that I could secure a buyer. At the same time there was a pending foreclosure sale date. I had to escalate the file and make XXXX phone calls to convince them to postpone the foreclosure sale date. They only moved the sale date to XXXX/XXXX/2015. Now we are a week away from the F/C Sale date and once again they threatened me with the pricing of the home, even after I submitted what they asked for, which was XXXX repair estimates. I dropped the price when the repair estimates came in and an offer came in just {$4000.00} below the {$130000.00} they were trying to force me to list the property at. The rejected the offer, stating they now needed an offer of {$130000.00}. After that it became clear to me that they have NO INTENTION on fairly working on this short sale or accepting ANY offer, as they keep moving the target price and the terms. I have emailed them constantly to let them know agents viewed the home and did not move forward due to the condition of the home. In the meantime, the homeowner was so stressed out she went into early labor and almost XXXX XXXX, and in ( 7 ) days the bank intends to foreclose on her leaving her and her baby homeless. I have received offers but they want the same pricing as a repaired home. This is unethical, unfair, heartless, unscrupulous dealings, dual tracking, intimidation, and more. They also are trying to slip in some shady fees by forcing me to agree to them getting some sort of 1 % fees from the listing side. I read online that I should expect to receive an email message stating that I needed to sign an addendum to the listing agreement to assign XXXX of the listing side commission to a XXXX party ( XXXX XXXX XXXX ) for unspecified services rendered, plus a {$250.00} processing fee. Not only would they not explain what the 1 % was for, furthermore, by reducing commission -- and thereby increasing net proceeds on the Seller 's side of the HUD -- this could be considered a " rebate ''. Violating rebate prohibitions may be subject to civil penalties, may be considered an illegal kickback under USC ss 2607 and may be a violation of the Real Estate Settlement Procedures Act ( RESPA ). The homeowner is being railroaded, my broker is being railroaded, and I have to believe that there are laws that protect us from these types of dealings after the Federal Lawsuits. I have researched BSI online and wonder why this company is allowed to continue to do all the HORRIBLE THINGS i see other saying that they are doing.
05/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20743	Web
The loan account with BSI Financial Services does not belong to me it is not my account. This loan account belongs to my ex-husband/significant other. I was never on the loan account. XXXX XXXX from BSI Financial Services fraudulently added me to the loan account in XXXX XXXX - before that I was never on the loan account because I am not a borrower/co-borrower. The account was opened in XXXX as a result of a refinance and my name has never been on the loan account until XXXX XXXX added it in XXXX XXXX. This loan account has never been reported on my credit report by the XXXX major credit bureaus since XXXX when it was opened it has only recently started being reported to the credit bureaus ( and on my credit report ) as of XXXX XXXX ( yet the credit bureaus now indicate I had this account from XXXX to present ). In order to ask questions about the account, my significant other had to add me as an authorized person ; when applying for a loan modification my significant other had to use my income as a household contributor these are just several examples that clearly show I was not on the loan as a borrower/co-borrower. Also prior to XXXX XXXX, correspondence from BSI Financial Services was always sent to my significant other ; after XXXX XXXX, for the first time, my name was added to any correspondence from BSI Financial Services. At the closing for this loan, BSI Financial Services indicated that I could not be on the loan because of my credit - my name was on the original set of loan documents but when it was decided that my credit was not good enough to be on the loan, BSI Financial Services then sent over a duplicate set of loan documents but with only my significant others name on them for him to sign my name was not on any of the loan documents. The first set that had my name/signature were to be discarded by BSI Financial Services ; the second set only contained the name of my significant other on the loan as the loan is only in his name. I am attaching the documents indicating that my significant other is the only borrower on the loan. At the time my name was added to the account, my significant other was applying for a loan modification and XXXX XXXX was the single point of contact. When I submitted my financial information as a household contributor and XXXX XXXX saw that it had increased from prior months, I believe that is when he decided to fraudulently add my name to the loan account. When I discovered this and addressed this issue with XXXX XXXX, he pretended that he would investigate the issue and get back to me I never heard back from him regarding this. In fact, the loan had been transferred to another Loan Servicing agency the very next month. BSI Financial Services continues to report and verify that this account belongs to me after several disputes with credit agencies. If you were to follow the paper trail and review the loan documents recorded with the state and/or title company, you will find that my name is not on any of the loan documents and that I did not sign as a borrower/co-borrower. I ask that BSI Financial Services do their due diligence and remove this account from my credit and correct this with the credit reporting bureaus as soon as possible as this has caused much pain and suffering with regards to attaining life goals. Please see attached documents to support my complaint. Best Regards
11/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA XXXXX	Web	Older American
This complaint is in reference to BSI Financial Services. In XX/XX/XXXX, I paid the monthly escrow of {$840.00} per month ( {$10000.00} for the year ). The actual escrow amount required was {$12000.00} or {$2300.00} more than the XX/XX/XXXX escrow I had paid. I received an Annual Escrow Account Disclosure Statement dated XX/XX/XXXX in XX/XX/XXXX. ( see statements ) As you will note. I was given XXXX Escrow Payment Options. Option 1 was to pay {$4800.00} which is {$100.00} more than the escrow short amount for XX/XX/XXXX and XX/XX/XXXX. In addition, I was notified that if I paid the shortage amount, my total monthly mortgage payment would also increase by {$190.00} more per month ( {$2300.00} for the next 12 months beginning XX/XX/XXXX. ) Option XXXX was to pay part of the storage and have the rest of my mortgage payment divided evenly and added to my mortgage payment. Option XXXX was to do nothing and to have all of this shortage divided evenly among the next 12 months. If I elected Option XXXX or Option XXXX, the shortage amount was due before XX/XX/XXXX. I received my XX/XX/XXXX Mortgage Statement and it was {$600.00} more than in it had been in the last 12 months. ( see attachments of the statement date XXXX/XXXX/XXXX and statement date XXXX/XXXX/XXXX. This increase will result in BSI receiving {$7200.00} for an escrow shortage of {$4700.00} for XX/XX/XXXX and XX/XX/XXXX. As I attempted to follow their guidelines " Determining the sufficiency of your escrow balance, if the anticipated low point balance ( XXXX ) is less than the required balance ( XXXX ), then you have an escrow shortage.Your escrow shortage is {$4800.00}. '' This explanation baffles me since the XXXX amount listed is higher than the XXXX amount. To summarize, BSI is attempting to charge me {$27000.00} for the payment of $ XXXX-two years homeowner insurance and county tax. Year one escrow paid was {$840.00} XXXX {$10000.00}. Year two escrow to be paid is {$1400.00} X XXXX {$17000.00}. My monthly year 2 escrow SHOULD be XXXX per month VS {$1400.00} they are attempting to charge me per month. On XXXX I contacted BSI Financial Services. I was transferred to XXXX different people. The last person I spoke with said my Annual Escrow Account would be reviewed and that I would be notified in writing within 5 business days. I have not received any correspondence or contact from BSI Financial Services. In order to pay my XX/XX/XXXX mortgage on time, I paid BSI Financial Services {$3800.00}. It is felt that this is an over payment and I do NOT want this extra amount of money to go toward a principal reduction. BSI Financial Services purchased my mortgage from XXXX XXXX in XX/XX/XXXX. BSI did NOT pay my annual property taxes. XXXX County put a lien on my property and notified me that it would be sold for past taxes owed. After weeks dealing with BSI Financial Services, they paid the taxes and the penalty for their late payment. My credit rating took a major hit as a result of their incompetence. I have been treated very unfairly, unethically and unprofessionally by BSI Financial Services. There appears to be no recourse to pursue this matter further with BSI ; therefore, my last hope would be some sort of advocacy on my behalf ( short of me having to suffer the additional expense of hiring an attorney ). Thanks in advance for your assistance in this matter.
06/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80126	Web
Re : BSI Financial Knowing and Intentional Violation of Federal and State Debt Collection Practices BSI Financial : Please be advised that you have knowingly and intentionally violated both state and federal debt collection laws by improperly reporting our account as delinquent to the credit agencies. I had numerous conversations with your account representatives about your failure to properly apply our escrow shortage payment of {$480.00} made in XXXX 2016. Due to your failure to apply this payment to escrow, you then alleged that our XXXX payment was not made, since it did not include the increased monthly escrow amount you claimed was owed, despite having received our escrow shortage payment. In fact, our XXXX payment of {$2800.00} was made on XXXX XXXX, 2016. You failed to acknowledge any receipt of this payment and alleged we failed to make any payment on our mortgage for XXXX 2016. I had repeated conversations with your account representatives and posted a message to your so called customer service department explaining your mistake and put you on notice that any reported delinquency to the credit agencies would be treated as a violation of the law. Your account representatives acknowledged your mistake and acknowledged that you had in fact received the proper payment and escrow shortage payment. Not surprisingly, however, you still proceeded to report to the credit agencies that we had failed to make our mortgage payment. To further compound your knowing and intentional violations and despite repeated requests, you have failed to provide any accounting of our escrow account reflecting application of our escrow shortage payment of {$480.00} and have subsequently raised our mortgage payment almost {$50.00} per month to cover the " escrow shortage ''. At this point, I can only assume that you have illegally converted our {$480.00} payment, since you have failed to apply it to our account and refuse to provide any accounting of our escrow account. Given your actions with respect to our account, I can only assume you converted this payment to your legal budget to fund your defense costs given your utter lack of compliance with and complete disregard of state and federal laws. Your absolute lack of customer service and knowing refusal to follow the law has left us no choice but to pursue our legal remedies. Accordingly, if you do not within 10 days of the date of this letter ( i ) notify the credit agencies of your mistake and remove your negative report, ( ii ) provide us with a true and accurate escrow accounting, including application of our {$480.00} escrow shortage payment, and ( iii ) credit our account {$2500.00} for damages we have suffered to date due to your violations of state and federal law, we will proceed with filing our claims against you in the applicable court of law and seek recovery of our legal fees. Given your actions, I am also guessing BSI Financial is ripe for a class action lawsuit, as I seriously doubt we are the only customers you have treated in such an egregious manner. Although given your actions to date I seriously doubt you will do so, please respond to me at your earliest convenience so that we may settle this matter. Regards,
01/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33175	Web
Violation to Floridas provisions Chapter 501, Part II, Florida Statutes, Floridas deceptive and Unfair Trade Practices Act, Chapter 117, Florida Statutes which governs activities of notaries public., chapter 668, part II Floridas electronic Transaction Act m and Chapter 696, governing record conveyance of real estate. On XX/XX/XXXX, the servicer XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX, filed a foreclosure action, alleging to be the holder of the note and mortgage of a lost note. On XX/XX/XXXX debt collector XXXX XXXX filed an affidavit afloat note containing an endorsement XXXX XXXX, on XX/XX/XXXX debt collector XXXX XXXX filed a second affidavit that reveals that the endorsement of XXXX XXXX is nowhere to be found. The omission of endorsement and of contradictory affidavit is critical. Plaintiff can not present a lost Note affidavit with a doctored and falsified copy of a note to establish standing to foreclosure. Pursuant to Florida Statutes F.S. 702.105 ( 5 ), if plaintiff seeks to enforce a lost, destroyed, or stolen instrument, an affidavit must detail a clear chain of all endorsements, transfers, or assignments. Statutory compliance is mandatory. A Plaintiff does not comply with F.S 702-105 ( 5 ) and can not have standing to enforce a lost note if one of the required statutory elements is not meet. Se generally, XXXX v. XXXX XXXX XXXX, XXXX, 83 So. 3d.1970 ( Fla. 3rd DCA 2012 ). ( Court could not enter judgment in favor of party seeking enforcement of lost note unless it finds that a person required to pay the instrument is adequately protected against the loss. The plaintiff are barred from making the legal argument that are " protected '' under the XXXX. Statutes as Bona Fide third party purchasers without knowledge of fraud. Under Florida Law, to be a bona fide purchaser, three conditions must be satisfied. The purchaser must have ( 1 ) acquired the legal title to the property in question, ( 2 ) paid value therefore, ( 3 ) been innocent of knowledge of the equity against the property at the time when consideration was paid and title acquired. XXXX v XXXX, 955 So. 2 d 1189, 1192 ( Fla. 3d DCA 2007 ). A purchaser is not entitled to protection as a bona fide purchaser when he or she tase property with notice of an outstanding interest in the property. Successors in title take title subject to those interest of which they have notice. XXXX v XXXX, XXXX So. 2d 514, 517 ( Fla. 2d DCA 2000 ). Forms of notice include possession actual notice and constructive notice of publicly-recorded matters. XXXX XXXX XXXX XXXX, v XXXX XXXX, XXXX XXXX So. 2d 114,117 ( Fla. 5th DCA 1982 ). The defects reflected on the note were recorded and appeared in the chain of title, that was enough to place a prospective purchaser on notice of its faulty execution. 44 Fla. jury 2.d Records & Recording Acts 150 ( 2008 ). Recording the deed was constructive notice to subsequent purchasers, not only of its own existence and contents, but also of any other fact concerning the instrument that would have been ascertained from the record if it had been examined and if inquiries suggested by it had been prosecuted. 38 Fla. Jurr 2.d Notice and Notices 21 ( 2008 ).
02/02/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 305XX	Web
In XXXX I purchased at home and due to us outgrowing the home decided to move XX/XX/XXXX and do a lease purchase. Because the economy was down I rented out the home I owned ( XXXX XXXX XXXX XXXX XXXX, Ga. XXXX ). The rental tenant trashed the home and the home has been vacant since XX/XX/XXXX. I agreed to do a short sale with XXXX who owned the home at the time and they declined both offers so I begun the foreclosure process but in XXXX the sold the home to XXXX and the foreclosure process started over. They stated in XXXX there were title issues getting correcting before they could foreclose. XX/XX/XXXX I filed bankruptcy to protect my credit from this property. XX/XX/XXXX the bankruptcy was discharged. The home was still not foreclosed on. In XXXX it was sold to BSI financial. I have reached out to HUD and HUD states they have already paid the claim on the property at XXXX XXXX XXXX XXXX XXXX Ga. and it should have been foreclosed on when the claim was paid in XX/XX/XXXX. I have tried to contact BSI Financial to request that they move along with the foreclosure and the person over our loan does not contact us back and the call center representatives state they can not discuss it with me. Somebody at BSI needs to discuss it with me as it is in my name and nothing is being done. I have sought legal advice and he did a title search and states there is nothing wrong with the title preventing them from getting it out of my name and proceeding with the Foreclosure. This has drug on since XX/XX/XXXX. The house has been broken into, it has been gutted of it 's copper wiring, and appliances have been stolen. I feel that this house is a hazard to the community and I wish for it to get out of my name so that number one I can move forward and repurchase again someday instead of becoming a permanent renter, and number two so that if someone gets hurt at the property of XXXX XXXX XXXX XXXX XXXX Ga, they can not come after me. Even though I am no longer responsible for the payments or debt, it is in my name and preventing me from moving on with my life. I have a family, I need to purchase a home and provide them with stability and I keep getting excuse after excuse as to why this home is not foreclosed and I 'm also concerned why if HUD paid the claim on the loan, why this was not taken out of my name then? The title issues that XXXX mentioned did not prevent them from selling it to BSI Financial and again the attorney said here are no real title issues preventing it from getting out of my name and foreclosed on. I have no access to a property in my name and do not wish to have access, but I do with for someone to have the decency to let me know when this foreclosure will take place and what the hold up is this go round. I lost a lot of money walking away from the lease/purchase I was in because of this property issue not being foreclosed I could not have XXXX FHA loans and I am having to rent homes and that is getting old when I have good credit and established employment and should be able to buy if they would foreclose on this property like I have been told since XX/XX/XXXX was taking place .... when??
01/23/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 953XX	Web
After numerous attempts since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have sent out emails and phone calls explaining proof of payments that we've have made our mortgage payments on time and are current since we completed our BK in XX/XX/XXXX and was instructed by the Trustee to make our first payment for the month of XX/XX/XXXX and an attached legal document of " FINAL CURE '' identifying that we ARE NOT INAREARS of any payments and we are current. Each time my wife and I have called XXXX customer service, it was ask if my emails including my attachments were reviewed? At each time the answer from XXXX was " we did not receive the emails, so no one has reviewed them. '' This is unacceptable and I find this hard to believe. On XX/XX/XXXX the Trustee was speaking with XXXX ( XXXX rep ) as my wife and I was part of the conversation listening in as XXXX had asked for proof of payments by the Trustee. The Trustee rep emailed the information to the required XXXX email address and yet there is not recorded of it. My wife made an another phone call to XXXX on XX/XX/XXXX to find out of any updates because we were told the review by XXXX should be completed in 7-10 days, but it was already beyond the time frame given and the rep said " Oh it was completed a few days ago. '' However, each time we would asked when someone would contact us of the results we get the same response from the XXXX rep " someone will contact you or your husband '', well no one has made any attempt to reach us. The same day of XX/XX/XXXX my wife reached out to the Trustee to let them know the concern once again and to let the Trustee know the email sent on XX/XX/XXXX was not received by XXXX. The Trustee re sent the email and faxed the proof of payments to XXXX on XX/XX/XXXX. We had asked numerous times to speak to someone in a different level or department who is handling our case, but the response we are given is " well let someone know. '' Seems like a cover up for XXXX not to accept the truth and not wanting to engage with the customer. XXXX says the review has been completed and it is shown that we are 1 month behind in our mortgage payment, but yet XXXX only reviews their records, but FAIL, REFUSE OR IGNORE my information that I've been providing including the legal document of " FINAL CURE. '' Whatever the case maybe, XXXX continues to think we are behind in our mortgage payments.To add to our concern, this has put added stress onto our lives that we don't need as my wife is recovering from her XXXX XXXX dealing with XXXX in addition, XXXX is damaging my credit. As of XX/XX/XXXX XXXX still contends we are 1 month behind in our mortgage payments. I have taken a lot of time during my work time to get bank documents and send out emails and try to connect with someone hire than a XXXX rep to hear my complaint. No such luck that XXXX will not let us speak with anyone other than a rep from customer service. Since the credit report ( attached ) XXXX has reported my credit 30 days late each month to XX/XX/XXXX, XX/XX/XXXX is about to be finished and they will once again report me as 30 day late.
12/12/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 15237	Web
I am writing to you in the hopes that you can help. My mortgage company, BSI Financial, whom my mortgage was sold to has been causing continued harassment and grief. I am a single woman working to pay my house off and this company 's only mission seems to be to continue to make it more and more difficult to do this. I came to the end of a loan modification beginning 2015 and my mortgage became at an adjustable rate. I had been making payments of XXXX and now my payments are at XXXX a month. As this lump sum was difficult to make by the first of every month I called them and asked if we could break the payments into XXXX each month and was advised that this would not be a good idea, therefore I am only able to make the payments by the end of the month and keep in mind, each month I have and I have also attached a late fee with each payment. This is the only way that I have been able to make the payment in full each month. I, in the meantime continue to get harassing calls all month regardless of what I try to tell them about my financial situation. Approximately six months ago, BSI Financial calls and tells me my loan is going into foreclosure if I did n't come up with something like XXXX dollars, again, keep in mind I had been making my payment by the end of each month with the late fee attached and was up to date with my payments. When I called to inquire about this, I was told that the total of my checks had not been the correct amount and to be honest with you, the way that these bills read, I have not been able to determine what I owe each month. Therefore I simply look at the regular monthly payment on the bill with taxes and fees and add the late fee. Regardless of the fact that my check is there every month by the end of the month, BSI Financial is holding the check in the first week, sometimes two weeks into the month before cashing it and now, I learned that they are reporting to the credit bureaus that I have late payments on my mortgage. I have been trying of obtain a refinance on my home to get myself into a more affordable situation and not lose my home and not one bank will look at me because of this. Another example : I had applied for a personal loan from a company who needed to see that my home was current on mortgage payments and when they looked into it, BSI Financial was appearing online as my house being paid in full. When I call to ask about it, the response was oh, that was our mistake, we will take care of it right away. Currently, I just received a statement claiming I now owe XXXX and my payment is current up to the end of XXXX 2015. I have made several attempts to contact BSI Financial and am put on forever hold to the point where I have to hang up. I have looked this company up on the XXXX site and they are not even XXXX members. I looked up this company on the consumer affairs site and there are literally XXXX complaints with the same description of consumers confused about money owed, harassment, credit destruction. Can someone please help me! Thank you for your time, XXXX XXXX XXXXXXXXXXXX
06/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80237	Web
After recalculating my monthly payment due to changes in property taxes, I went into my online account to change the recurring payment amount to the new amount. Desiring to make this change effective immediately, I indicated the " start date '' to be later that week on XX/XX/XXXX. I had already paid my mortgage on XX/XX/XXXX, and my next payment was due on XX/XX/XXXX. The only text associated with the " start date '' is as follows : " Note : The recurring draft start date can be no sooner than 2 business days from todays date. The date requested must be within your grace period as defined in your Note to avoid any late fees.Information and materials contained in this website re subject to change without notice. You should review these Terms and Conditions periodically to ascertain any changes made. '' To me, this would imply that the mortgage would be drafted on the usual payment date, and the start date is the date in which I would desire the changes to take effect. However, XXXX attempted to withdraw an early mortgage payment on XX/XX/XXXX. Upon discovering that, I called XXXX to cancel the payment, to which they indicated that they could not do that. I subsequently called my bank to advise them not to make the payment as it was too early. The bank did not make the payment, but then XXXX charged me {$20.00} for a this failed ACH payment. I sent them a note requesting to reverse this fee on XX/XX/XXXX, but have not heard a response at this point. As noted below, I would like a refund of the {$20.00} fee that was charged, and for XXXX to fix issues with the language on their website. Below are a list of issues, which you can see in the attached documents : 1. Terms and Conditions for recurring payments are in two different pages. The first set appear under the " start date '' section on the website, and presumably these are the ones that we are agreeing to. However, there is another set of terms and conditions on the side panel. It is not clear as to which set we are agreeing to, but when you select print to review the terms and conditions, only the information in the box at the bottom of the page will print out. 2. At the bottom of the page, where the consumer attests to agreeing to the terms and conditions, the page explicitly states that we are agreeing to the terms and conditions for a " One-time electronic funds transfer ''. We are only given the recurring payment terms and conditions to review, not the one-time EFT terms and conditions, so it is unclear as to which set of rules we are agreeing to. Therefore, because of the inconsistencies in the language, the multiple locations for terms and conditions, and the unclear instructions, I was surprised to discover that they attempted to draft my account early and feel entitled to a {$20.00} refund plus requirements placed upon XXXX to fix their website language to be clear, consistent, and legal. Particularly as I have no choice when it comes to my mortgage service provider, I am relying upon the CFPB to settle this manner fairly on my behalf.
10/21/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MA 02445	Web
1. Or about XX/XX/XXXX a re-submission of loan modification was finalized but denial of loan modification followed in less than 30 days from resubmission in absence of calculative methods used to derive a reasonable mathematical explanation for denial of loan modification. 2. On or about XX/XX/XXXX a formal dispute was submitted. Within 30 minutes from submission of formal dispute borrower received a call from assigned representative XXXX XXXX. XXXX EXT XXXX to inform that the underwriter could not approve modification as BSI could not derive an affordable payment from income provided and that investor would not go below 6 % to calculate new modified payment doubling the mortgage payment to about {$12000.00} a month. 3. On or about XX/XX/XXXX borrower requested denial letter and sent qualified written request. XXXX. On or about XX/XX/XXXX contacted BSI and spoke with assigned loss mitigation specialist whom provided the following information : According to XXXX XXXX : There is no material change so therefore there is a denial. Upon verbal request of income information the total income used for review was XXXX. Income was derived no material change from previous review. XXXX earnings are XXXX semimonthly, real estate average XXXX XXXX XXXX per the XX/XX/XXXX XXXX provided. XX/XX/XXXX tax returns provided and reported a loss. But could not explain where on tax returns loss was reported. There is a depreciation expense but that was not explained. Husband 's contribution of XXXX and XXXX was used. Further clarification on figures was requested because the numbers did not add up including the source of the {$4800.00} figure. XXXX XXXX could not clarify but and stated she would speak to underwriter and upper management and I would get a call sometime tomorrow. Although no clarification of income was provided to explain the {$4800.00} figure it was explained that monthly income on RMA was compared to worksheet-net income to show property is not affordable and Income presented much lower than the income provided on RMA. However, this is a stretch since no income figures could be explained despite previous QWR. In the end the conversation ended with a promise to follow up and a call back but no material clarification was given to explain denial, which was the same promise made verbally in the last conversation not withstanding previous QWR and formal dispute requesting the same information. This modification has been in process for years. First with XXXX who transferred to XXXX XXXX XXXX who hired XXXX to collect {$31000.00} which I paid which was never applied to principal balance. Then loan was transferred to XXXX XXXX XXXX XXXX and now to BSI. I am requesting assistance with my mortgage loan modification and reasonable efforts on behalf of mortgage servicer to underwrite the mortgage for loan workout in a commercially reasonable manner. Circumventing requests for calculative methods to support denial is not commercially reasonable. Please see attached formal dispute and QWR 's. ( 2 on file )
08/28/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	FL 32086	Web
I recently refinanced my Home Equity Line of Credit to a conventional mortgage with another banking institution. On XX/XX/XXXX the bank sent a payoff check and the letter to BSI Financial that I was no longer going to have a draft and that I was no longer accountable to there company. The loan was paid off in full to the amount BSI showed as the payoff amount. OnXX/XX/XXXX I received a statement showing {$0.00} principal with a previous payment of {$110000.00} paid to them. With a fiance charge of {$260.00}. I called on that same day spoke to a XXXX at the BSI Financial Company, asking why did I receive a statement for a payment due? When I had refinanced with another lender and they were paid off onXX/XX/XXXX. She stated that the statement was generated and sent out but, that I did not have a balance due on the computer she was looking at my account. So, I said so you are saying that you will not draft money from my account on XX/XX/XXXX. She said no they would not and that all was good. I went on about my business thinking everything was done. While checking my account on XX/XX/XXXX, I saw that BSI indeed did draft the funds from my account causing my account to become insufficient because I was not anticipating the draft. I called again and spoke to XXXX who stated that she would contact the payoff team concerning this. And that someone would contact me within 24-48 hrs. I called the next day again because I needed the money back in my account. I then spoke to XXXX onXX/XX/XXXX he stated this was interest they were collecting. I said how can you collect on a XXXX balance and I needed my money back. He stated that the quicker way to get my funds was to call my bank and dispute the charges. Because they were not a bank and could not cut me a check electronically. So at his advise did just that and the money was in my account the next day. Since then I have received numerous calls to collect the {$260.00}. They also have said through out these conversations that they did not receive the letter releasing me of bankdrafts. I called my bank and on XX/XX/XXXX asking them did they send the document concerning the cancellation of drafting. I signed this at closing. She stated that they sent it in with payoff check. Which we know that they received. I asked them to please resend it and they overnight again to BSI via XXXX. Received on XX/XX/XXXX by receptionist at XXXX XXXX. I have since received more phone calls saying that I owe this money. I do not believe I do. On XX/XX/XXXX I received in the mail a letter saying that they received a letter stating to change the Automated Payment Plan as of XX/XX/XXXX. So, I do know they received that letter. Since then they are still calling. Today I received a letter saying I owed them a {$25.00} NSF for the funds they took on the XX/XX/XXXXwas NSF. I do not believe I am responsible for this fee due to the fact they should not have drafted the money in the first place. XXXX balance is XXXX.
07/08/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX XXXXX	Web
BSI told me that if I made 4 consecutive payments that I would be approved for a loan modification. Those payments were {$5000.00} in XXXX {$4600.00} in XXXX {$4600.00} in XXXX {$4600.00} in XXXX I made all of the payments. The last one was made at the end of XXXX. The specialist that was assisting me from BSI confirmed on XX/XX/XXXX that all was received and that The final modification agreement will be sent in about 1 to 2 weeks. I will call you once its sent. That did not happen. On XX/XX/XXXX ( a month later ) I emailed BSI and said it has been more than 2 weeks and we have not received the final modification. Their reply was We are still waiting on the escrow analysis. It should be sometime next week. On XX/XX/XXXX still no modification agreement. So I emailed BSI again and asked specifically. Are we supposed to simply send in an arbitrary amount for the mortgage or were we supposed to wait on the final modification agreement ( and escrow analysis ) for the NEW/proper amount? Again we have no idea since we have not received anything and also still do not have access to our account on the website. Their reply was.. The final MOD agreement was sent via Fed ex to you yesterday. You should get them tomorrow. You need to sign and notarize and send back ASAP. They purposefully did not answer my question about the mortgage payments! I received the agreement on XX/XX/XXXX. It said I had 14 days to sign and return. ( Still no mention of a mortgage payment or the amount being due ). They received the SIGNED document on XX/XX/XXXX. So logistically that would mean that the modified mortgage would naturally start AFTER I signed the agreement and they received it. That is not what they are trying to do. They are now going backwards and saying that I am behind on the mortgage because I did not pay for XXXX or XXXX while they were trying to get the paper work together. On top of that they are now threatening to escalate the mortgage for full payment ( illogical ) if I do not get it paid in by XX/XX/XXXX ( which is less than 30 days notice ). That is completely insane! Especially since I asked ( in writing ) about what amount should I pay if any while we wait on them to get their paper work done. And I did not get an answer. Not to mention no one from BSI ever called me in XXXX or XXXX to say your mortgage is behind. Nor did I ever receive anything in writing saying that XXXX or XXXX was behind. The agreement should be effective from the date that I signed - not the date after I made the last pre-modification payment. Nothing was official at that point because I had not signed it yet. The agreement was not in effect and had not been legally solidified until I signed the final modification agreement. Therefore my payment should be applied to XXXX. And I should owe for XXXX. I have all correspondence in writing. I feel BSI is being extremely shady in their business practices and I need your outside party assistance.
07/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85224	Web
I was at the end of a chapter XXXX bankruptcy when my note was transferred from XXXX XXXX XXXX to BSI Financial Services on XXXX XXXX, XXXX. I was never informed of this transfer ( presumably due to the fact that the bankruptcy was not yet discharged on that date ) and continued to make payments to XXXX. In XXXX of XXXX I received my first piece of correspondence from BSI, a NOTICE OF DEFAULT AND INTENT TO ACCELERATE. BSI claims that when they took over the loan in XXXX, the account was already two months in arrears and they only have payment through XXXX XXXX, making it perfectly legal for them to claim default. Again, I never received any correspondence suggesting that I owed more than I was paying. Additionally, BSI claims that they sent all correspondence to me in a timely manner, only they sent it to the wrong address, so I never received anything from them, and they would have received the returned mail back at their offices. In fact, I still do n't have all of my statements from BSI, though I have requested them via numerous phone calls, letters, and emails. I contacted XXXX to get a payment history to prove to BSI that I had been making payments on time, every month, however, the XXXX representative that helped me stated that my account was closed and they could not access anything on my account except to tell me that BSI was my new servicer and I needed to deal with them. ( Meanwhile, the payment history that BSI was requesting that I acquire from XXXX as part of the proof they required was already in their possession, something they received from XXXX upon transfer of the note. ) I sent BSI all of the proof that I could get from my bank ( cancelled checks and transaction ID numbers for electronic transfers ), and they denied my proof as being valid and submitted a Notice of Trustee Sale to me in XXXX ( while I and my BSI loan officer and his supervisor were supposedly looking for a way to resolve this highly damaging clerical error ). BSI has added late fees, miscellaneous administrative fees, back payments ( which include payments for months that were already submitted to XXXX ) and attorney 's fees to the reinstatement amount, which is now in excess of {$13000.00}. In XXXX XXXX, exactly six months after BSI acquired the note, BSI returned my checks to me instead of accepting the payments toward my account - to date, they have only accepted funds for my account that were transferred over from XXXX, none from me directly. And if their payment history can be trusted as accurate, it also appears that BSI has misappropriated the funds that they did accept on behalf of my account. They were charging me for taxes and insurance through an escrow account, but they had never paid those bills - they just paid them last month, AFTER I brought it to their attention. I have a complete history ( with dates and outcomes ) of correspondence and phone calls to both XXXX and BSI that I would be happy to submit as well.
03/29/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 088XX	Web
I previously filed a complaint against BSI Financial XX/XX/XXXX as I was not getting any monthly mortgage statements. My mortgage was transferred from XXXX XXXX to BSI Financial XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX and modified my mortgage XX/XX/XXXX. BSI acknowledged the error but never started sending statements to me. I received a letter from BSI 's attorney claiming I was 5 months late in my payments on XX/XX/XXXX. I have made my monthly payment of {$1200.00} every month since XX/XX/XXXX. The letter from the attorney stated my monthly payment had changed 5 times from XX/XX/XXXX to XX/XX/XXXX. Having not received my monthly statements I was unaware of the monthly payment changes. My loan is a fixed rate and fixed term so principal and interest will never change. The amount applied to escrow would be more than sufficient to cover my home owner insurance and real estate taxes. I was initally told that BSI Financial had no obligation to send me statements because of my bankruptcy status. My attorney forwarded an authorization to send me statements and a copy of Order Permitting Secured Creditors in Individual Cases Under The Bankruptcy Code To Provide Debtors With Monthly Statements, Payment Coupons and Related Notices Without Violating The Automatic Stay. After further investigation I was made aware that BSI Financial was purchasing Lender Placed Insurance even though I faxed my declaration page to them annually. BSI Financial also increased my covergage from {$220000.00} to {$340000.00} without my authorization or knowledge. My loan balance is approximately {$220000.00} and my home value is {$190000.00}. The cost of the lender placed insurance was almost {$1700.00} per year more expensive than my homeowner policy. This created a severe shortgage in my escrow which in turn created the increases in my monthly payments. BSI Financial continued to cash my mortgage checks and applied the payment as a partial payment. Without monthly statements I mailed a check and handwrote my account number, name and property address on a blank piece of paper. Over the 2 year period from XX/XX/XXXX to XX/XX/XXXX the my monthly payments according to their attorney created a 5 month delinquency. I through my bankruptcy attorney have been trying to get this issue resolved but BSI has not moved on it. I wanted to make a complaint against them through CFPB so I have it on record. In my opinion I feel BSI Financial has several legal and ethical violations. I am aware through RESPA that financial institutions are obligated to inform borrowers of any changes to monthly payments due to escrow overages or shortages. It is my intention to remain in my home but BSI would need to make credits back to my escrow for the egregious purchases of lender placed insurance. Having seen through CFPB that BSI Financial has other complaints similar to mine, I am considering consulting another attorney in conjunction with my bankruptcy attorney.
12/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX XXXXX	Web
Back on XXXX/XXXX/XXXX I filed for XXXX XXXX bankruptcy. My case was confirmed on XXXX/XXXX/XXXX and I have been in active bankruptcy ever since. Unfortunately as of XXXX/XXXX/XXXX my mortgage loan servicers changed from XXXX XXXX to some random company named XXXX XXXX. All throughout the bankruptcy XXXX XXXX has been able to send me monthly statements showing amount owed, mortgage payment, history, etcI was always able to go to the XXXX XXXX website and log in to my account to also see my account information on line where I could confirm amounts and confirm that my payments had been received. Starting on XXXX/XXXX/XXXX I contacted XXXX XXXX several times via email and over the phone with no response. On XXXX/XXXX/XXXX I finally got an email from a representative from XXXX XXXX ( XXXX XXXX ). She told me that will not be permitted to register on the site to see my account information or set up auto payments or make a payment online due to the bankruptcy status. Sending you a statement is a form of collection and you are in active bankruptcy, therefore we are not permitted to send them to you. All these rules must be followed per the bankruptcy protection you are under and can not be broken. When I told her I was able to see my account on line and receive mailed statements from XXXX XXXX her response was.. Different servicer, we are not there yet. In the future we will have statements specific to bankruptcies, but at this time we do not. So now it was not about bankruptcy rules. Instead now it was because there company is not set up to mail basic statements to a consumer.because they were in active bankruptcy.? I also told them that when I was with XXXX XXXX they had included PMI into my payment. And because the value of the home was far more than what was owed I wanted the PMI removed. She claimed.. I do not see where your loan has MI any longer Well how would I know since I can not see any documentation of what they have, my account, the numbers, etc it is also my understanding that when your mortgage loan changes from one servicer to another that nothing changes other than the company who receives your mortgage payment. So based on all that has happened and been said thus far none of this sounds correct. Part of the bankruptcy agreement is that I make monthly payments ( of which can change based on taxes & insurance ) If I dont receive a monthly statement .and cant access my account on line..then how in the heck and I supposed to make the proper payment according to my bankruptcy? XXXX XXXX was the 2nd loan servicers we have had on our mortgage since it was obtained back on XXXX/XXXX/XXXX. Sadly XXXX XXXX is the 3rd servicers on our mortgage loan. Because none of this makes sense and unfortunately I keep getting routed to lower level employees that are inconsistent with their responses I need hep from an outside 3rd party entity to get this XXXX company to act accordingly.
01/11/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92883	Web	Older American
I am filing a dispute because I can not add to my previous dispute. I sent in all documentation for loan mod. I was then requested to send in additional documentation with letter received on XXXX/XXXX/XXXX. I faxed on XXXX/XXXX/XXXX and did not receive any response that it had been received. I also called and left 2 voicemails for SPOC on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating I sent over documentation. I then refaxed on XXXX/XXXX/XXXX and I also sent overnight via XXXX to atten XXXX XXXX on XXXX/XXXX/XXXX. It was signed for the next morning. Yet on a letter dating XXXX/XXXX/XXXX from BSI/XXXX XXXX which was received XXXX/XXXX/XXXX It stated that they did not receive the XXXX documents requested. This is obviously untrue and I am attaching all documents proving that with the tracking info and fax confirmations. Again this is violating the laws of dual tracking in California. I have also requested numerous times by email, voicemails, faxes and mail to have XXXX set up a time for phone conversation because voicemail is all that I get. I have kept records and recorded all messages I have left with dates. Per lawyers request as well. I am tired of getting the run around on this. I have disputed random charges of XXXX they are claiming and the total amount that is due. Because between XXXX to them all I wanted and requested was to modify so I can make monthly payments or reasonable repayment plan. I can make payments my finances prove that but due to XXXX never contacting me after XXXX QWR ; s or sending me any monthly bill nothing has been done. I will not accept over charges but will pay my monthly bill. BSI took over the loan and that also means that the responsibility of correcting statements when I prove what is owed. I am also including all of the emails to set up online access and customer service that has never received a response since XX/XX/XXXX. I am also including the only monthly statement I have received from BSI which has no information on it. These are all proof of violations that I have copies of. The XXXX subsequent words ) was ignored because we limit queries to XXXX words. Did you mean : Some common violations of the XXXX include : ( a ) dual tracking, XXXX b ) robo signing, ( c XXXX failure to acknowledge receipt of loan modification documents within 5 days, and ( d ) failure to appoint a single point of contact for loss mitigation efforts. In our opinion, these are all " material '' violations I can make monthly payments and I am not asking to modify to pay less than my monthly payment. I do not agree with total BSI states is in arrears and have mailed in writing that fact. I want the arrears to be modified or put into a reasonable repayment plan. House is still underwater 9 years later and I have kept it going entire time and do not plan on leaving house. There have been XXXX houses same model not selling in over a year either in neighborhood.
05/15/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91104	Web
I received authorization, agreement and approval for a Dept of Justice National Attorney General Settlement loan modification from XXXX XXXX XXXX including terms, interest rate and specific amount of principal reduction of {$70000.00}. See Attachment A. My loan was sold to BSI Financial Services who as my new servicer is obligated, instructed and Mandated by the Dept of Justice Consent Decree to honor the terms for permanent modification from XXXX XXXX XXXX. See Attachment XXXX pages XXXX XXXX. Upon agreement and confirmation by BSI that I successfully complied with and completed the trial period BSI sent permanent modification documents with terms that differ from and DO NOT adhere to the XXXX XXXX XXXX Terms as mandated by D.O.J specifically as indicated in Attachment A the principal amount reduction should be {$70000.00}. This Principal reduction promised under terms proposed, offered, accepted and agreed to from XXXX XXXX XXXX would result in an amount payable under the new BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}. However the principal reduction/foregiveness provided in the BSI is only {$64000.00} ( LESS than committed by XXXX XXXX XXXX terms ( terms which BSI is mandated by the Consent Judgement to honor ) - this results in a HIGHER BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}. See Attachment labeled OLD noting points B and C. Upon me pointing out that they were out of mandated compliance to " honor permanent loan modification agreements entered into by the prior servicer, '' and providing for a XXXX time the XXXX XXXX XXXX XXXX ( Attachment A ) BSI remitted revised documents which make no correction, provide no remedy and still do not honor the committed terms of XXXX XXXX XXXX. In fact the new/revised loan modification document sent as a result of me raising this concern, here labeled as NEW, appears deceptive, lacks transparency and includes only a disingenuous edit of simply eliminating the wording related to the principal reduction/foregiveness as attempt to not address the matter and to intentionally edit out/eliminate reference to principal reduction/foregiveness in order to knowingly ignore the XXXX XXXX XXXX terms and commitment and to hide/camouflage not honoring the XXXX XXXX XXXX terms as mandated by the DOJ Consent Judgement. Please note the HIGHER BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00} remains unchanged from the OLD to the NEW/revised BSI loan modification agreement and thus indicates the principal reduction/foregiveness is unchanged from the OLD to the NEW/revised BSI modification agreement and by conclusion they have not honored the XXXX XXXX XXXX terms committing to {$70000.00} principal reduction/foregiveness which results in a lower BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}.
11/09/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	GA 30066	Web
I started a modification with XXXX XXXX XXXX Bank in XX/XX/XXXX. The process was almost to completion and then XXXX XXXX XXXX sold the loan to a XXXX called BSI Financial out of Maryland. I had to start over again with the modification process with BSI and that started in XX/XX/XXXX. My first conversation with BSI was with one of there processors by the name of XXXX XXXX XXXX, he told me the I would probably not qualify for a modification because I did not met the standards for that type of loan. I asked him how it was that he could determine that without taking an application. I am not sure but I think that is against the Fair Lending Laws to decline a loan before you take an application. That was my first " Red Flag '', that this was not going to be easy. I have had a very difficult time with BSI as they are incredibly unresponsive. I have left multiple messages, sent certificated letters and e-mail asking questions about the process and asking if they needed anymore documentation. I received no response from them. I have kept detailed records to all conversation, e-mail, letters pertaining to this loan process. Then in XX/XX/XXXX I received a letter saying the loan had been declined due to missing information. The letter did not state what type of missing information. I could not get them to tell me what information was missing. According to my records I had sent them everything they had requested. Also, during this process I was assigned another processor by the name of XXXX XXXX. I thought she was going to better, but turned out I could not get her to call me back either. I have contacted the HAMP Program and they are assisting me with this issue. However, I am recently retired from the banking industry ( mortgage originator and processing ) and see this behavior from a lender as appalling. I do n't know how someone without any banking background would protect themselves from this type of situation? I did some research on this company, BSI and there history with other consumers is not very good. In fact I am not sure how it is that they are allowed to get away with some of the things that have been posted about them ( Consumer Affairs ). Also it appears that there has been a class action law suite started against them. I completely understand that most postings of this nature could possibly be from customers were just mad because things did not go their way, but most of the comments are very similar to mine. Which makes me think that they are more than likely true. I am still in the review process with HAMP. Yesterday XX/XX/XXXX, I found out that BSI has an auction date for the sell of my home on XX/XX/XXXX. It is clear to me that BSI has no regard for people, the HAMP Program or doing the right thing for their customers. They are for some reason only in the business of declining loans and foreclosures. My hope is that someone can help me ... Thank You..
09/25/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 945XX	Web
My loan number is XXXX. I filed a complaint with office of the comptroller of the currency, YOU, and now my account manager explicitly told me that he will not talk to me and have closed my file due the complaint I have filed. Looks like I am being punished for enrolling your assistance in this matter. Now, as a result of your help, no one at the bank is talking to me, giving me any status. They are now moving toward foreclosing my property without a review. The sale date is set for XXXX am trying to get a modification thru my lander. My loan was/is a FHA loan. I qualify for FHA-HAMP. However, in the middle of review my bank XXXX XXXX XXXX XXXX ) transferred the loan to BSI financial. BSI stopped all review and is now telling me that my loan has been transferred to an investor who is not participating in hamp program. How can they change things in the middle of a review and suddenly my loan goes from being qualified to XXXX to not being qualified for XXXX? Does n't that seem like an underhanded thing to do? The internal change in the status of the loan and investor seems like a fraud and unfair. Can they legally do that and foreclose on my home? Could you not do anything about it? My servicer is participating in hamp program. As per per treasury guidelines, XXXX XXXX. XXXX XXXX, XXXX XXXX that a reasonable efforts are required by XXXX participating servicer to reach out to a investor for an override or a waver. Under XXXX XXXX. Dir. XXXX, effective XXXX XXXX, XX/XX/XXXX, the servicer must write to the investor requesting a waiver at least once. THEY HAVE NOT DONE THIS. I have asked for this over and over and over again and they have simply told me to go away, short sale the property or they will foreclose. In addition, I sent out a RESPA, QWR, to them on XXXX XXXX, XX/XX/XXXX They have completely ignored my RESPA request. The RESPA guidelines are very clear on how the lender must handle the request and timelines. BSI financial is ignoring all those guidelines. It seems that they are slapping us in the face, thumbing their nose at your agency, treasury department and intentionally. As if they they are counting on me, a helpless consumer, not being able to do anything since I do not have resources to match their deep pockets. I am hoping that you, a governmental agency who supposed to help us helpless people, is able to do something about it. I would like your help in stopping this bullying by BSI financials and help us stay in our home. We have the income to qualify for a modification and most certainly my FHA loan qualified for FHA-HAMP modification. PLEASE, PLEASE HELP MY FAMILY. AFTER WE FILED A COMPLAINT WITH YOUR DEPARTMENT, BSI FINANCIAL STARTED TO BULLY US AND BECAME MORE ABUSIVE. We do not know who to turn to or what to do. We are begging for your help in stoping this abuse and bullying.
04/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92883	Web
Below is my latest letter in regards to their BLATANT DUAL TRACKING AND PROOF XXXX/XXXX/16 XXXX XXXX and XXXX XXXX On XXXX/XXXX/16 I faxed and overnighted my appeal on loan modification with proof that I never was given a true modification from XXXX and had tried for months to get them change to a correct date for acceptance but they did not so I proved I never accepted or denied a loan modification from them because you can not accept or deny one that is not valid when they send it. This is called fraud and why XXXX is under fire for not handling loans correctly and falsifying documents. Also my income proved I could make payments. So I sent the appeal to you and requested a new packet. I did not receive anything back from XXXX or XXXX regarding the appeal letter or new modification. I requested multiple meetings with my SPOC and have yet to hear from him. I did not even get a message back for 2 months after I wrote this. PER CHBOR you can not file a NOD while looking at appeal nor can you after I requested a new mod packet but you did on XXXX/XXXX/16. With a different amount than the statement XXXX sent me. I have now forwarded all of this to the attorneys at XXXX XXXX. I have also sent to California AG and CFPB. I will fight this the entire way. I have asked for repayment plan and 6 to 9 month workout with nothing back from BSI FINANCIAL. With your illegal practices and violations there is a group of homeowners that we are all keeping track of every single violation and I have saved every voicemail and paper I sent. The Tracking # with all of this information is XXXX was signed for at XXXX on XXXX/XXXX/16 so you can not deny receiving appeal and asking for more documentation. So BSI FINANCIAL Sent a loan Modification Denial on XXXX/XXXX/16. I received on XXXX/XXXX/16. BSI FINANCIAL received my Loan Modification APPEAL on XXXX/XXXX/16 which was 28 days after and I had 30 days to send which the tracking # proves. I then also requested a new packet as XXXX told me. I never received anything. Also the NOD was filed on XXXX/XXXX/16 which you are not allowed to do til 15 days after I receive status on the appeal and I have the opportunity as I requested a new loan modification paperwork. THE NOD will need to be rescinded immediately. Since I have been keeping track of everything I am prepared to take this to court for illegal practices. Since BSI FINANCIAL is denying working with me and trying to steal a home which I will not move out of. Nor have you offered to work with me on a payment plan or reinstatement and MY SPOC has refused to schedule a meeting with me. I have to do all I need to do to protect myself and I am not putting up with the bullying and harassment and elder abuse from BSI Financial. You have 7 days to rectify the situation in writing.
11/15/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 77494	Web
BSI the new servicer provider did not get my account in their system properly set up. the account should be with them effective XXXX XXXX but they only set it up the account by the end of XXXX. Before that date both, the loan originator and servicer provider, refused to accept my payments. Finally the loan originator took the payments. As the account was set up retroactively BSI register the missed payments and sent me a Notice of Intent of Foreclosure in XXXX. They also assessed late fees even though I stated the payments were made. When they waived the late fees upon my request they stated they wo n't report to the credit agencies but they did. I contacted them back and then they fixed the payment date in their system and told me next month the new report to the credit agencies will correct the situation. I disputed the adverse report to the credit agencies and submit the evidence. Nevertheless BSI responded to the agencies again that I paid late and my claim was concluded by the credit agencies. Please note that, for example, BSI just reported to XXXX on XXXX XXXX even though the information in their systems is updated two weeks ago. I contacted BSI supervisor XXXX XXXX and he stated that everything was ok in the system and nothing was late as of today and that next month in XXXX XXXX they will send a new report to the credit agencies and everything will be sorted. I inquired about the report to the credit agencies and after state he have no knowledge about that communication with XXXX he said that it will be solved next month. I asked is there 's any process whenever they get the dispute from credit agencies and he was not able to answer. He just said that they do n't go case by case and that it will be fixed next month as part of their monthly report to the agencies. Im very concern about how this institution is handling the accounts as I got a notice of intent to foreclosure before receiving a welcome package with account number. I was calling very often to get the account number and they were not able to provide timeframe. When I told them the payments were forwarded to them they just said they know nothing about it and I called the loan originator who then contacted someone over there to get the checks cashed and applied. Despite this nobody check the account status to clear late fees assessed per system and I had to call them. Then nobody took care of the application for payment dates and to validate the information was not incorrectly reported to credit agencies. On top of that I initiate the claim with the credit agency and they just denied my claim, triggering the close of the claim, stating my claim was false and making their statistics look good. And now he just said that it will be fixed after XXXX XXXX.
08/11/2019	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	WI 53704	Web	Servicemember
On XX/XX/2019 after multiple attempts to log in to the website on days prior and multiple attempts to call in on this date and days prior, I was able to access my new mortgage in the telephone system. On the website it clearly states they will not accept post dated payments, yet the website and the phone system only allows a payment to be dated the following day. An agent in the following month told me that the day you call in your payment is logged in. It was not. It was posted on the following day,XX/XX/XXXX, and a 30 day late reported. I paid in the 30th day. I did the same thing the month of XXXX I attempted again to log in. I could not make a payment this way. In XX/XX/XXXX Then I made 11calls, ultimately being able to finally get in the system and after 7 attempts, make a payment, approximately XXXX at night. I was then told that this payment was posted on XX/XX/XXXX. I was not aware of this until I learned that a 30 day for XXXX was reported in this day—again if this is the argument that they will ding me for a 30 day in XXXX and post my payment onXX/XX/XXXXand then I pay on XX/XX/XXXX, they are positing it on the 30th day. This rationale then does not make sense.At that time, then an agent told me we posted it toXX/XX/XXXX because it was EST and you are CST, and this is clearly on our website. It is not.It also clearly says that post dated payments can’t be made. That is apparently the only way that you can post a paymentnonline and onthephone unless you speak with an agent. None of this is adversitied.I disputed this when I found out about it the first time in XX/XX/XXXX. It has been 30 days and I have not heard. It took me escalating it a second time with all 3 bureaus and escalating it.I then got an email stating they would consider the dispute but they did not want to get a deragotory for retracting a late report, that it is adverse against true company. They then proceeded to tell me that if I pay late it in the month or on the last day I need to speak with a representative and then they will post it immediately.Every story is inconsistent and the website does not support what I have been told nor what is typical operating practice (payment posts when called in). I feel this is false and fraudulent credit reporting advertising and is false advertising for informing consumers. I essentially have been denied the opportunity to use technology and use the paperless option and have a dependable system. I have been denied the opportunity to maintain a spotless mortgage history. They have reported two 30 day lates in a row.I want these deleted. THe company did say they value my business and appreciate the feedback.Please get these deleted from my report.
04/22/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 22312	Web
This complaint is against BSI Financial. I applied for a mortgage loan in XXXX XXXX that took more than 9 months to be reviewed. I inquired weekly to confirm my application was complete, however, BSI failed to communicate efficiently, despite numerous emails inquiring if there was any additional information needed to complete the loan application. This was a very XXXX time due to being behind on my mortgage. I attempted to inform my customer service representative my financial situation [ i.e., income ] had improved since the initial application. I finally received a denial letter, however, it did not provide sufficient information regarding why my modification request was denied. I appealed this decision and never received a response to my appeal. I was advised to reapply and provide updated financial information. I reapplied for a loan modification in XXXX XXXX, this time with a consumer advocate. All the documents were submitted at once to circumvent any delayed delivery. My consumer advocate called several times and left messages inquiring about the status of my new request and no phone calls were returned. Today, I called [ XXXX XXXX ] and requested that I speak with my BSI customer service representative. She came to the phone but opted to call be back. Her first statements were a disclosure indicating that the call was being recorded. I asked specific questions regarding why my original request for modification was denied. The representative was unable to provide any detailed information, despite having my customer advocate and me on the phone for over 40 minutes. My specific request was for the amount of debt that was reported in the initial application and the amount of reported and verified income. I wanted to understand WHY my initial application was denied. When I reminded the representative that I wanted these responses a part of the recording, she quickly ended the call. My complaint is specifically related to the following : 1 ) lack of timely communication ; 2 ) failure to respond to my request for a qualified written response as outlined in my appeal ; 3 ) receipt of a demand letter during an active modification application process. I have the name of the specific customer service representative who rudely ended the call. I never indicated that I was recording the call. The representative did. I simply restated that the call was being recorded. I believe the representative mistook me to say that I was recording the call. I am gainfully employed with sufficient income to pay a reasonable monthly mortgage. I believe this matter needs investigation from the CFPB to ensure my rights are not being violated.
07/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30087	Web	Servicemember
The property address is XXXX XXXX XXXX XXXX Ga XXXX XXXX. My loan was included in a Chapter XXXX bankruptcy, whereby the court ordered Bankruptcy petition Plan ( the Plan ) included set payment amounts ( {$140.00} monthly ). 2. I began making the payments to the mortgage company exactly as specified. 3. The servicer was changed ( or loan sold ) and I re-directed my payments to the new company ( BSI ). 4. After a few months, the new company began rejecting my payments, stating that they had no knowledge of the Plan, and started the foreclosure process. BSI states that they are refusing the payments because the loan is in foreclosure. 5. After much calling, faxing and emailing, I was able to get the company to recognize the Plan, which had been made an amendment to the original Security Deed and recorded with the State of Georgia. They adjusted their records, including loan balance, payment amount, interest rate, etc. They continue to refuse to accept the payment. They continue to charge fees for taxes and insurance ( via an escrow account ) even though the Plan specifically states that I am to pay the taxes and insurance directly : NO ESCROW ACCOUNT. The payments I've been sending ( {$140.00} ) are, of course, less than the amount they are requesting since the escrow amount is INVALID. 6. I have sent the company emails demonstrating that I've made each payment for the past 5 years and have sent proof of the insurance policies established and tax payments made. 7. I requested but have not received via email a Statement of all of my Post Petition Payments and fees. 8. The company has sent the last mortgage statement, indicating that the amount due is over {$4000.00}. This amount includes fees, property inspection charges, and grass cutting fees of over {$1900.00} each. Note that BSI NEVER CUT the grass ; I had the grass cut and paid the lawn contractor directly. I have requested a summary of all fees that have accrued on the account. None of these fees are valid since no payments have ever been missed. If BSI can indicate any payment of {$140.00} that I have missed, or any tax/insurance payment that I failed to make, I will send them the corresponding funds asap. The late fees and charges should be removed asap, as they stem from a balance that should never have accrued. I have and will be including all of my records : notification demonstrating each of the payments mentioned, a copy of the Statement, the Foreclosure Notification from BSI, my Bankruptcy Plan documents, the email thread between myself and the servicer, the names and email addresses of each of the supervisors to whom I've spoken, etc.
07/23/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92335	Web
After 5 years of trying to obtain a modification from my lender, BSI Financial Services, I was granted one in XX/XX/XXXX. My 1st payment was due on XX/XX/XXXX with a 10 day grace period. I sent my payment in the form of money orders, certified mail, on XX/XX/XXXX. On XX/XX/XXXX, I called my loss mitigation specialist, XXXX XXXX to confirm the receipt of payment. She did not answer, so I left a message and sent an email. I called again on XX/XX/XXXX and XXXX XXXX answered. I asked if my payment had been received. She said no. I told her that I sent the payment certified mail and the post office told me that the payment had reached its destination. I also told her that I called XXXX XXXX to see if the money orders had been cashed. They hadnt. I informed her that I had taken pictures of the money orders after I filled them out, before I mailed them. She asked me to email her the picture. I did. She confirmed receipt of the email. I called and emailed almost everyday for the remainder of that month asking if the payment had been received. On XX/XX/XXXX, I called BSI to make my second payment over the phone using my debit card. My call was answered by XXXX ext : XXXX in XXXX PA. He told me that he could not accept my payment because there was a code on my account that needed to be removed by my loss mitigation specialists. I asked to be transferred to my specialist, but XXXX XXXX was not available. I left her a message letting her know that I was having issues with their system and to please advise me as to what I should do. Over the next week I called 5 times, but was unable to reach XXXX XXXX. Finally, on XX/XX/XXXX I was able to reach XXXX XXXX and she told me that BSI would not accept my second payment because my first payment had not yet been received which meant it was late and I had defaulted on my agreement. She said the agreement was now null and void and BSI would reinstate foreclosure proceedings. I told her that my payment not being received was not my fault and that I had sent it certified mail. She said they hadnt received it yet, and the matter was out of her hands. Later that month, when I received my next billing statement it reflected that my payment had been received and applied to my balance. I have been trying since XX/XX/XXXX to obtain another modification, but BSI has been completely uncooperative. BSI has been trying ever since to foreclose on my home, to the point that I have had to file for bankruptcy protection. I am currently in Bankruptcy. I am not asking for special treatment, I simply want the modification I was promised and worked so hard to obtain so that I may keep my home.
03/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60644	Web
This complaint is targeted towards the lender who holds my loan, XXXX XXXX XXXX - the main problem is this lender is aggressively trying to foreclose this loan, despite me showing my ability to abide by a recently-terminated repayment plan - timeline below : Late XXXX : Borrower falls behind in Mortgage, due to unexpected dip in buisness revenue, combined with having to pay recently-hired staff out of personal funds ( held off Mortgage a few months in order to make payroll ) ; Early XXXX : Business revenue begins returning to prior levels, and laid off staff ( only use part-time 1099s now ), kept ( & continues to keep ) expenses low XXXX XX/XX/XXXX : Borrower tries to get loan modification on his own from lender XX/XX/XXXX : Lender rejects loan modifocation XX/XX/XXXX : Borrower contacts law firm for representation to get loan reinstated by lender XX/XX/XXXX : Lender rejects modification submited by law firm XX/XX/XXXX : Borrower meets w/law firm to begin bankruptcy preparation XX/XX/XXXX : Bankruptcy filed XX/XX/XXXX : Borrower completes credit counseling XX/XX/XXXX : Borrower begins bankruptcy payments to trustee ( has kept these current, even though amount has been adjusted upward 3 times ) ; XX/XX/XXXX : Borrower begins making mortgage payments to lender again ( did not realize when he should start, since statements are no longer sent ) XX/XX/XXXX : Lender informs Law Firm of payment defieciencies ; new agreement crafted with provisions to make up XXXX - XXXX misssed payments XX/XX/XXXX law firm informs borrower of new monthly requirements, borrower misses this update XX/XX/XXXX : Lender informs Law Firm of borrower 's failure to make up payment deficencies ; ( Borrower still making orginal payments every Month ) XX/XX/XXXX : Law Firm again alerts Borrower that Lender claims Borrower is failing to keep up with payments ; Borrower submits proof of payment ( XXXX - XXXX XXXX, still not realizing that additional monthy amout has been contractually agreed upon ; XX/XX/XXXX lender cancels agreement, moves forward with foreclosure process XX/XX/XXXX - Borrower finally realizes additional montly committment, asks law firm to contact lender to be allowed to bring agreement into complliance XX/XX/XXXX : Counsel for lender returns message that request to reinstate was denied Based on the latest calculations as of XX/XX/XXXX, a total of XXXX XXXX rough estimate, based on extra {$680.00} not being paid from XX/XX/XXXX - XX/XX/XXXX XXXX would bring the loan back current with the terms that were signed as of the XX/XX/XXXX agreement. The borrower is willing to reconcile this with one payment ;
06/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90745	Web	Servicemember
1. I have not paid my mortgage for a while due to the refusals of my mortgage Servicer/Investor to modify my loan. I lost my job in XXXX XXXX, XXXX, and at the same day I requested my mortgage servicer ( XXXX XXXX XXXX ) for a mortgage modification through Home Affordable Mortgage Program ( HAMP ) but has been denied ( simply no official answer ) FIVE times. Each time XXXX XXXX XXXX offered help but when I try to avail of such, results : Either I was given a run-around, no reply, and declined. 2. The owner of my loan, or the Investor is XXXX XXXX. 3. With my mortgage 's 7.375 % interest rate, per mortgage statement attached : Monthly Regular Payment : {$2000.00}. Breakdown of Principal {$300.00}, INTEREST {$1300.00}, Escrow ( for Taxes and Insurance ) {$460.00}. Evidently there is room for its modification. Why would they refuse to help myself? 4. XXXX XXXX XXXX, after declining my applications for mortgage modification, in XX/XX/XXXX transferred my account to another servicer, BSI Financial Services ( a collection agency ), XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, Account # XXXX. 5. BSI Financial Service put my house on foreclosure sale for XXXX XXXX, XXXX. Weeks before that, through the XXXX XXXX County Foreclosure Prevention Department of Consumer and Business Affairs ( DCBA ) agency, I applied for a HAMP with BSI. I offered my monthly retired pay of {$2100.00}, and my ( re-started XXXX XXXX, XXXX ) Veterans Benefits ( XXXX ) stipend of {$1200.00} for every school month that I attended, to pay for a modified mortgage. Through my DCBA Counselor, my application for HAMP was declined by BSI Financial Services on XXXX XXXX, XXXX. 6. My application for HAMP was declined due to low income. Will someone request for HAMP if his or her income did not decline almost half from the previous? That 's I am right now, a jobless Veteran, and a college student too. 7. Facing foreclosure of my only home, it left me no option but to file for Chapter XXXX, Bankruptcy. I and my spouse, XXXX XXXX, filed for bankruptcy on XXXX XXXX, XXXX. We have a court appearance on XXXX XXXX, XXXX ( Case No. XXXX ), XXXX XXXX , US Bankruptcy Court , XXXX District Court of XXXX. 7. I was an XXXX member, enlisted XXXX, honorably served over 21 years. 8. I intend to pay all my debts once I recouped my losses from my unlawful job-loss. I was discriminated as a Veteran for over five years of employment. Because of those Veterans benefits above, I was paid callously even with my multiple promotions and achievements. Sincerely and respectfully, XXXX XXXX, XXXX, XXXX XXXX,
11/07/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 78418	Web
I have a mortgage loan with a company called BSI financial services and XXXX XXXX. I was late on my XX/XX/XXXXpayment which I paid on XX/XX/XXXX. I would have paid it sooner but due to hurricane Harvey I made the payment late. In XX/XX/XXXX my payment went up to {$3900.00} from {$2400.00}. I did n't understand why it went up so high so when I called BSI and told them my payment was so high XXXX XXXX told me to go ahead and make my normal payment and that he would check the issue for us. This had happened before and they fixed it. We thought that is what happened again so I made my XX/XX/XXXXpayment in XX/XX/XXXX but by that time we were were told we now owe {$11000.00} by XX/XX/XXXX. They said they could n't apply my XX/XX/XXXX payment because it was now considered a partial payment. They raised our payment that is supposed to have a locked interest rate for 5 yrs of 9.6 % was raised to 13 % they said it was a default payment interest that would go back down when we caught up on our payments. We are only in our 2nd year. That should have taken our payment to {$2900.00} but instead our payment went up to {$3900.00}. We definitely can not make the payment of {$3900.00}. When we asked them why it went up that high they told us because we did n't have enough escrow and that our insurance went up. Upon looking at our escrow it looks like we do have money in escrow but they told us they do a different math and we have to know their math to understand it. They could not explain their math to us. They still have not been able to explain the reason our payment is so high and we were asked how much we were able to pay but I have n't paid anymore because we do n't know what it 's going to and they already put one payment for {$2400.00} that we made in an unapplied account. We feel like we are just giving money to them and it 's not going towards anything and we do n't understand what we are paying and we do not get concrete answers and it also takes days to get ahold of them. In XX/XX/XXXX we told them we were having a hard time being timely because at the end of XX/XX/XXXX we had to evacuate due to hurricane Harvey. We spent money, my husband lost time and money from work and we spent extra money getting AC replaced that went down during power surge etc ..they raised our payment by {$500.00} for XX/XX/XXXX anyway then for XX/XX/XXXX and XX/XX/XXXX they raised our payment {$1500.00} higher in addition to our {$2400.00}. We were told that the hurricane relief rules did n't apply to them because they were giving us a commercial loan on our property.
09/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30058	Web
Re : BSI Letter Entitled Streamline Solicitation Agreement Withdrawal dated XX/XX/XXXX Loan Number : To Whom It May Concern : c/o XXXX XXXX I am requesting information relating to the above-referenced loan number currently being serviced by your firm BSI Financial Services. On or around XX/XX/XXXX I accepted a permanent loan modification offered by BSI. I executed the documents sent as requested and sent the 1st payment in the amount of {$640.00} Check Number XXXX which was received and cashed by BSI on or around XX/XX/XXXX ( please see attached ). To Date : I have not received a fully executed Loan Modification Agreement signed and dated by a representative from BSI There is no evidence that the alleged Loan Modification was filed within the Real Estate Recorders Offices of XXXX County I have not received a mortgage coupon with the new loan amount listing and verifying the new monthly payments I have not received a payment breakdown from the inception of the new loan to the maturation date However, I have received since executing the loan modification agreement along with my first payment was a mortgage coupon in the amount of {$0.00} stating that the payment is not due until XX/XX/XXXX ( please see attached ) You all have failed to send evidence that the Loan Modification was signed and accepted by your firm yet the first payment check was cashed. You all failed to send new mortgage coupons reflecting the new loan agreement and payment amount. Now, you are withdrawing your original offer because you can not provide accurate accounting or paperwork to reflect the original agreement? Now you are calling the Loan and threatening foreclosure? How and why? XXXX, I need an explanation! Because I have been receiving conflicting information relating to the servicing of my mortgage. I am concerned that this error has created an unnecessary and improper delinquency within my loan status. Therefore, please view this as a " qualified written request '' pursuant to 12 U.S.C. 2605 ( e ) as well as a request seeking accounting as well as the current status of my loan! I seek verification of the amounts which you claim are due and/or delinquent and the documents supporting these claims. I should not be held responsible for any late fees, interest, or other charges relating to the above referenced confusion. I look forward to your response within 20 days from the date of this letter. Any further communications concerning this debt should be directed to me in writing. Sincerely,
04/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30052	Web
I purchased a home in XX/XX/XXXX in Georgia. My family fell upon some hardships which impacted our income so we applied for a modification. I was able to use a 3rd party attorney and get a {$85000.00} principal balance reduction. One month later, XXXX XXXX XXXX sold my mortgage to BSI Financial Services who then told me I needed to do another modification as they welcomed me with a raised mortgage and changed terms under which I had already signed with XXXX. They notified me that my payments would not be accepted and returned and now they have a sale date of XXXX/XXXX/XXXX set on my home. I went through XXXX representatives that did not follow up or process paperwork submitted in a timely manner but yet sent me letters about modifications being denied because of missing paperwork. I have expressed complaint and concern via phone and email. I have requested a Qualified Written Statement and Validation Letter twice which did not address my concerns. I am not happy about this unfair shark and predatory practice to take my home without properly notifying me by letter of a foreclosure sale date and changing terms of mortgage after they purchased it. BSI Financial and I have no written or verbal agreement on terms. I want to keep my home but want fair practices and lending to be enforced. It is not my intent to defame or tarnish the character of this company but wrong is wrong and to put a GA XXXX, wife and mother of XXXX young children out on the streets is a violation under the unethical practices they have displayed. The company has called my home and cell phone despite my letters to them to contact me in writing. These are infrigements. I have recorded conversations ( authorized under GA law ) of representatives of the company admitting to seeing where I have submitted paperwork and they had dropped the ball weeks later by not processing it and wanting me to resubmit to correct the wrongs they have made. I WANT MY HOME and desire for BSI FINancial to make this right for me and my family. We have lived in this home for 10 years. It was our first one and where many memories have been made but for the greed of a dollar and ask me to think of an " exit strategy '' 4 days prior to a sale date is inhumane. I want my home and desire to remain in it if BSI is willing to correct its wrong and practice fair lending. They can submit to me in writing how they would like to repair these damages and them changing the terms of the mortgage after purchasing it ( no good business )!
10/19/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92117	Web
I have been trying to complete a short sale with BSI Financial who has now purchased my loan as servicer XXXX ( lender ), as outlined in the Relief from Stay they filed in my Bankruptcy case. My agent has been working with them and receiving emails directly from them in which they continue to change the terms of what they need to get an approval. First, they declined the offer we presented due to it being an investor buying my home and the value being too low. BSI sent an appraiser to look at the value of my home, and he went inside my home on XXXX XXXX, 2015, but never disclosed to me what the value is. My agent and her short sale team requested the valuation many times without any response from them. I believe they have to provide it per the XXXX valuation rules. The bank then cut the commission in a later email to make it harder to obtain a buyer. Then, they required the buyer be owner occupied and get cross qualified with their lender. They even provided exact XXXX comments that my agent used exactly as they requested. We complied with this and my agent held an open house and obtained an owner occupied buyer ( and getting the Owner Occupied Affidavit signed that they provided ) with a much higher offer, {$15000.00} above market price. The buyer did get cross qualified with their lender as they requested. We submitted the full offer with all documents, repair bids and comparable sales as they requested. They declined the file with no reason other than a XXXX line email " offer is too low ''. BSI Financial should provide me with the value they believe my house to be worth and/or counter offer the great buyer we have. Its a nice family who is spending time and money to wait for some response from the bank. My agent and short sale team emailed BSI on XXXX/XXXX/15 requesting correspondence within 3 days and to provide the valuation done on my home. We have yet to hear anything from BSI Financial. XXXX XXXX XXXX is the person who has been in touch with us. We have asked for his manager and left many messages with no response. In addition, my lawyer has already obtained the required approval from the bankruptcy court allowing the short sale, which cost me legal fees. I do not believe that they are doing anything to assist me preventing foreclosure on my home, in fact, they seem to be stalling and trying to deny me as they want to foreclose. They clearly do not want to work with me on this short sale, even though I have a physical and financial hardship.
07/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33604	Web
On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at XXXX XXXX ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned. I will be refinancing this loan at my earliest convenience.
03/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55304	Web
My mortgage was previously with XXXX XXXX XXXX and they sold it to BSI Financial as of XXXX XXXX, XXXX. My mortgage had been in the foreclosure status previously with XXXX XXXX XXXX due to my husband being XXXX and not getting paid. We were working with XXXX XXXX XXXX to get the mortgage current. We finally received the documentation and total amount due to get the mortgage current. We did not receive this information until XX/XX/XXXX therefore the total amount of {$14000.00} was sent to BSI Financial on XXXX XXXX, XXXX, which made our mortgage current and out of foreclosure. We have been trying since XX/XX/XXXX to get information from BSI Financial on our loan details. They are not sending us statements or giving us any information. We filed bankruptcy in XX/XX/XXXX and have continued to make our mortgage payments with XXXX XXXX XXXX since then. Now BSI is telling us they will not send us statements because our home was included in the bankruptcy yet we have continued to pay it and was reaffirmed. My husband had to send a letter to BSI Financial requesting monthly statements and also he had to say that he understood they were for informational purposes only. We have been trying to make our XXXX XXXX house payment which is what is due. We have gotten nothing but the run around from BSI Financial. They keep saying our house is in the active foreclosure process yet the payments are current. I have called numerous times, left numerous messages and no one returns calls. I have owned my home for 18 years and have escrowed my homeowners insurance now this new company is telling me that I ca n't do that. When I told them that I wanted the money back that had been escrowed through XXXX XXXX XXXX for my homeowners insurance, I got ignored, the customer service person tried to change the subject. I told him that they were stealing my money if they did not return it. I was then told that they would have to do an escrow audit and they would return any property tax overages. This is not the property tax escrow money, it is homeowners escrow money, XXXX different things. I did not seek this company out to service our mortgage. I want to make my house payments yet keep getting jerked around. I try to go onto BSI Financial 's website to make payments and I get locked out. I call to get it unlocked again, no response. This company needs to be shut down they are taking advantage of people that had no choice in using their company.
05/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10990	Web
My husband and I closed on our condo less than a year ago. One of the requirements of the closing with this mortgage company, was to reserve a years worth of Homeowners Association fees with them. We complied and set aside XXXX. It is listed on our HUD under Association Reserves. This was money that my husband and I had to come up with and hand over to them. The payments areXXXX due quarterly. The first payment was in XX/XX/XXXX. I received a letter and a corresponding phone call from the management company, XXXX XXXX XXXX, that they did not receive the payment. I called the mortgage company and explained to them that they have to pay this fee. It was required by you and money was set aside. After being transferred numerous times to many different departments, they realized they are required to pay this and sent out a check. They assured me that they would clear up the confusion on their end and when the next payment was due not to worry, they would pay it. XX/XX/XXXX rolled around and again the same thing happened. I called them and after more transfers and confusion I explained the setup again and they realized again that they have to pay the HOA for that month. This time I asked the girl if she needs the payment coupons I have so they have an address where to send the payment to and a contact person. She gave me the fax number and I faxed the documents over to them. Both the XX/XX/XXXX payment and the XX/XX/XXXX payment were a month late. I am now in XX/XX/XXXX and again I receive a letter from my management company that the dues were never paid. Again, I call the mortgage company. I am transferred three times, explain the situation three more times and the only response I get is " we will need to research this someone will get back to you. '' They patronized me, cut me off while I was speaking and hung up on me. Meanwhile, my dues are a month late again. I complied with everything they asked me to do. They have all the documents they need from both myself and the closing attorney that clearly states they are responsible for making the HOA payment from reserves set aside for this purpose. They have violated the terms of our escrow agreement and are causing us to be continually delinquent on the HOA dues. We were told the reason they are asking for a years worth of dues up front is so that they can pay them to ensure they are paid on time to avoid a delinquency, which is exactly what is continually happening.
04/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91104	Web
I was approved for offered and accepted Department of Justice Attorney General Modification trial modification term by XXXX XXXX XXXX who subsequently after successful completion of 2 months of the 3 month trial sold and transferred my loan in question to BSI Financial Services as the new servicer. As stipulated the DOJ Attorney General Settlement Consent Judgement in exhibit A section M Transfer of Services of Loans Pending for Permanent Loan Modification pages XXXX and XXXX, and as agreed and confirmed by BOTH XXXX XXXX XXXX and new servicer BSI Financial Services it is mandated and agreed that " Servicer shall ensure that it will accept and continue to process pending loan modification requests .... and that it WILL HONOR TRIAL AND PERMANENT loan modification agreements entered inot by the prior servicer. It has been agreed and confirmedby BSI representatives that my required trial was completed with my XX/XX/XXXX payment. It was further confirmed in a XX/XX/XXXX email from BSI that they would honor my completed trial plan and move my loan to permanent resolution of a permanent DOJ Settlement modification adhering to the terms worked out for my loan on my behalf through the California Mortgage Modfication Monitoring office of the California Attorney General office. As early as XX/XX/XXXX, at their request, I provided BSI DOJ Modification offer and approval documentation from XXXX XXXX XXXX ( prior Servicer ) as well details and emails between the attorney representative of the California Mortgage Monitor office of the Attorney General 's Office and XXXX XXXX XXXX authorized representatives including detailed permanent modification terms. Since XX/XX/XXXX to present date my permanent modification terms and documents have not been remitted to me and my permanent DOJ Attorney General modification per the Settlement and agreement with prior servicer has not been made permanent. I have waited patiently and with understanding as my requests for status, updates and expectation of my permanent modification have met repeatedly with the response that the BSI " underwriter is backed up. '' It is now XX/XX/XXXX and as my situation includes the special circumstance of being a Department of Justice Attorney General National Mortgage Settlement permanent modification term agreement I would hope for priority in processing and finalizing and that my mortgage should have been permanently modified before this timeframe.
06/29/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	OR 97405	Web
BSI Financial Services began calling my cell phone back on XX/XX/XXXX and has continued to call repeatedly over the last XXXX months to collect a debt from someone that I do not know. This cell phone number was issued to me as a new number through XXXX on XX/XX/XXXX so I offered to provide the company with proof of my identity and proof that the cell number was new. I repeatedly offered to FAX or mail proof of account/identity information to BSI, but they refused and told me each time I called that they would remove my cell number. However, the collection calls continued month after month. Each time, I would call back BSI at the extension given, the main customer service number option XXXX or use the BSI contact form to demand that they stop contacting me about a debt that was not mine. I also kept offering documentation which they refused over and over. I have proof that I contacted BSI after each and every call. I have proof that BSI have continued to call. I have proof that this number was a issued as a new service and does not belong to the debtor. I have left many voice mail messages for the agent " XXXX at extension XXXX '' with no response. I have left XXXX messages on voice mail for " XXXX 's '' supervisor BSI VP of Operations XXXX XXXX with no return call ever made to resolve this. I informed BSI in my voice mails to them that they were not to leave any more of this debtors personal information on my voice mail. The last called received from BSI was XX/XX/XXXX. At that time, I called BSI to inform them that I would be suing for harrassment in my local court system if I did not get a return call and was requesting mediation before pursuing them in court. I waited for several days with no response or return phone call. I filed a {$2000.00} harassment suit in small claims court XX/XX/XXXX that was sent to their Registered Agent in my state. I will happily pursue BSI civilly for damages, but I also want BSI to face steep fines for their non compliance with the FDCPA. BSI disclosed personal financial information to someone who is not a party to the debt in voice mails, failed to comply with the Federal do not call list and placing multiple harassing phone calls to a party who is not the debtor after being informed that the number was not a valid contact number. Please let me know how to pursue my rights and how you would like proof for this complaint to be provided to your agency.
04/29/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 31548	Web
I have a mortgage for a house on XXXX XXXX from XXXX of XXXX XXXX , FL, then a month later the mortgage was sold to XXXX XXXX XXXX whom had it for over a year. Due to the high monthly instalments ( {$1200.00} plus {$280.00} for HOA ) I decided to apply for modification with XXXX , The bank turned me down five times and sent me a letter for foreclosure on XXXX . I hired an attorney at that point and chase was unable to foreclosure on my property after my lawyer brought them before the judge in XXXX county, Fl.Therefore chase got rid off the mortgage to avoid litigation and sold it to XXXX Bank XXXX XXXX , after Hud approval. XXXX XXXX XXXX pursued foreclosure unsuccessfully since they lost in court in XXXX in XXXX XXXX XXXX loan servicer came on board to service this loan for XXXX XXXX ( BSI Financial Services ) After losing battle in court XXXX XXXX XXXX transferred the loan to XXXX XXXX and BSI kept servicing this loan. For over a year BSI Financial attempted to collect the mortgage payments and also tried to foreclosure but after speaking with my attorney they surrendered their intentions and transferred their loan services to XXXX XXXX XXXX XXXX XXXX XXXX , Then sold the mortgage back to XXXX XXXX keeping XXXX XXXX as their servicer, this happened just on XXXX .The pro blem is that BSI Financial i ssued me a XXXX tax form for the year of XXXX after they transferred the loan to XXXX . I called them to find out the validity of this and after speaking with XXXX at BSI, he said he had no knowledge about it and that he would research the issue and get back to me or my attorney, never happened, so I called the IRS and I was told That BSI needed to issue a corrected XXXX .I must mention that BSI claims this form is for a " cancellation of debt on a mortgage dated on XXXX / XXXX / XXXX '' .My house has never been in bankruptcy, not sold or else. Records on XXXX county, FL still show I 'm a the owner of this property.BSI has placed my name on the XXXX credit burew as bad debt, which I also dispute, since I have no business with BSI whatsoever. Please I need to clear my credit report from this illegitimate input and also have BSI Financial services XXXX XXXX XXXX XXXX XXXX PA XXXX to correct and issue a corrected XXXX . Thank you very much for your help
05/23/2016	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	OR 97214	Web
I spent hours on the phone with BSI Financial representatives discussing options that would provide an alternative to a short sale to my XXXX/XXXX non-traditional mortgage ( credit line ). I submitted a hardship package, including a letter detailing private, emotional details of my life, based on their assurance that the investors would consider a lower negotiated amount to avoid a credit hit that did NOT involve a short sale, given the negative impact this would have on my ability to refinance my primary residence and set up a stable life for my son and me. They agreed that if I could find a way to come up with the sum, they would negotiate a lower amount. They did provide a lower payoff, which they promised would not be entered as a short sale. Soon after - only 48 hours before closing, I received the paperwork in which " short sale '' was peppered throughout the documents. I called assuming this was a mistake, so I called to confirm. They told me this was true, that it was a short sale and would impact my credit. So, essentially, they tried to trick me into a short sale, the exact situation I was focused on avoiding. Since then, they have been harrassing my real estate lawyer for the money, even though I still have time. I absolutely can not sustain a short sale, which I made clear. I short sale keeps me from refinancing my primary residence, getting a car and just generally getting my feet under me again after a terrible divorce. My goal is to find an option that allows my house to sell to my current buyers, which would include me paying the agreed upon lower amount but without the hit of a short sale. Thank you in advance for your help. Separately, I got this unusual mortgage in 2007. I was wooed into it, along with many other Americans. And, along with those hope-blinded fools, we bought into a dream we could n't afford with a mortgage we just did n't understand. I 'll always remember our agent 's hands excitedly flailing about describing this strategic new mortgage, never truly understanding what it all meant but buying into her excitement and loving the way " upwardly mobile '' sounded as a description for us. Now I am paying for that confused excitement. I feel I was taken advantage of in my XXXX and now it is continuing to happen now, even as I am trying to just pay off the mortgage balance and get my life in order without a credit hit.
01/29/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	TX 78724	Web	Older American
My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.
10/10/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 945XX	Web
I filed an Qualified Written RESPA request for information with my servicer on XXXX XXXX, 2015. They completely ignored it. Then, after waiting for a while and receiving no acknowledgment, I filed an complaint with you and re-send the RESPA request to BSI Financials on XXXX XXXX, 2015. This time, because i file a complaint with you, I did get a response. However, the response was not complete and did not contain important information material to the review of my loan. In their response, XXXX XXXX, a BSI financial complaint resolution specialties, writes that she finds my request " overboard or unduly burdensome ''. Interesting choice of words since, the RESPA GUIDELINES are quite clear about what information can be requested and that the Servicer must comply with the request. The RESPA guideline do not say that a Loan servicer or Lender can pick and choose what information to provide and what is burdensome and therefore can be skipped. I strongly demand that they compl with RESPA guidelines and provide complete information as per my qualified written request. If they do not have proper documentation for this loan they should forfeit the rights to foreclose on the property. In addition, They have been using wrong name on all correspondence, notice of default and notice of sale. My name Is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. Law requires that all notices including but not limited to Notice of default and notice of sale must be corrected and issued again. Or, please provide documents showing how any why it was necessary to issue notices to wrong name and thus wrong person. According to the California 's NON-JUDICIAL foreclosure law, all information contained in the foreclosure communication or notice is must me truthful and correct. Notices containing untruthful information such as wrong name and addressed to the wrong person are null and void. Please understand they are trying to foreclose on my family home without proper documents, process and with untruthful information. Their assertion that my request causes unduly burden on their institution, is insensitive, disrespectful and most importantly points to a fraud. I respectfully demand that they Immidialaty dismiss all foreclosure activities. follow the California 's NON-JUDICIAL foreclosure law and comply with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ).
12/14/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92883	Web	Older American
To whom it may concern. Not only did you not respond to my QWR in XXXX days you have not fixed your errors. As you know the CFPB has been notified and you finally sent me a letter saying you are researching. Not only did you not apply the XXXX payment correct. I had not received a bill from BSI or statement since XX/XX/XXXX. I paid off what was due and had still been fighting your incorrect again applying of funds there. XXXX is trying to make late as no bill and no online access. I received nothing for months and asking. Also your online statement shows nothing. I have emailed with zero response for a month. I copied CFPB on emails with supporting documents of my screen shots as well as attorney who is compiling all of the violations. I finally received XX/XX/XXXX bill on XXXX/XXXX/16 mailed by BSI on XX/XX/2016. Strange how that worked having to go to CFPB just to get XXXX to actually follow the rules. As a servicer as well the overall incompetence and overcharging has been caught. As with adjustable my payment in XX/XX/XXXX was XXXX which is the only time it can adjust yet all of a sudden now you are charging a different amount which is illegal and the changes were never put in to writing from you. It was just added as you felt necessary and I went through my entire loan with lawyer and we have actually found a great deal of violations which will entitle me to thousands now for the bullying and false charges throughout on this. I do not know why XXXX can not fix their wrongs correctly. It just so happens that my niece is now dating a man that used to work for XXXX and now is at another commercial loan company and he was pretty high up at XXXX as well as XXXX assets and a lot of information is coming out from this. It is quite interesting how this will be public with an investigation now by some lawyers and other people in southern California coming forward. Stop stealing money and apply the payments correctly. I should now be paid up through XX/XX/XXXX with all the charges that were wrong and still XXXX later can not be applied correctly. Also per the statement directly from XXXX in XX/XX/XXXX my XX/XX/XXXX payment had a partial of XXXX just sitting in the account and no one told me you were holding extra money. She said to pay XXXX so the entire XXXX would be applied but now XXXX just changes when they want. It does not work that way.
07/21/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 33025	Web
Has the Attorney General 's Office investigated BSI Financial Services for unlawful practices, fraud..etc? Please take a look online under ripoff reports/BSI and please view what fellow Floridians are dealing with. My loan was with XXXX XXXX XXXX and I was approved for a trial modification which I made payments for a total of {$5.00}. The loan was then transferred to BSI Financial Services which they claim i defaulted on my trial modification and denied my Permanent Modification. I paid {$5200.00} and as you can see i do wish to keep my home and pay what I owe. I have an Attorney 's Office and they have been very helpful. Part 2 of this complaint is that my Attorney 's Office has requested a Payoff Statement from BSI since XXXX XXXX, 2015 and to this date it has not been provided. My Attorney 's Office requested the payoff statement from XXXX XXXX/BSI which then referred them to XXXX XXXX with XXXX XXXX XXXX. which is the Attorney 's Office for BSI. XXXX XXXX received the request on XXXX XXXX, 2015 but has failed to provide the Payoff Statement as he states he will check with his client or he does not respond to the emails requesting an update on the Payoff Statement. My Attorney 's Office received an email from XXXX XXXX/BSI inquiring about my intentions with the property which my Attorney 's Office replied that we are awaiting a Payoff Statement. His response was here is one from XXXX it 's close enough either I can pay or I ca n't pay in full. Can i get an updated Payoff statement? Is it that hard or difficult? My intentions are to fight for my property and I will. I will share my experience with BSI to everyone that I can. Now my question is ... can BSI provide me with an updated Payoff Statement? Attorney General XXXX - I want to save my home, I was approved for a trial modification which included XXXX payments that totaled {$3400.00} and I paid {$5200.00}. I do n't see how i defaulted. I paid more than they were even asking for and their mortgage statements are the statements that confused me on what to pay. I was just happy to be able to make a payment. Can BSI provide me with a Payoff Statement? I do n't need to explain my intentions as I am simply requesting my payoff figures so i can know what i owe the bank. Can you investigate BSI as i would hate for fellow Americans/Floridians to be dealing with what i am having to deal with?
08/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33174	Web
On XX/XX/2018, I filed a complaint ( Complaint no. XXXX ) against servicer XXXX XXXX XXXX for failure to abide by Florida Statute 501.137, see attached statute herein. The complaint was close because XXXX claimed that i was not authorize by my Bankruptcy Attorney to speak to them. On XX/XX/2018 & XX/XX/2018, the third party authorization was submitted to XXXX XXXX XXXX. See attached herein. Although, we have fax confirmation from both dates that it was received by XXXX XXXX XXXX. The third party correspondence from Bankruptcy Attorney XXXX XXXX, clearly reflects that i am fully authorize to speak to them and therefore authorize to file this claim. This claim should be taken very seriously. XXXX XXXX is refusing to pay fo the homeowners insurance. Under Florida statute lenders must pay for the insurance timely when ever the account has escrows. XXXX has made the false claim that can not pay for the insurance policy alleging we do not have an escrow account. Since the commence of the loan i have an escrow account. In fact, see attached copy of loan modification agreement with previous servicer XXXX XXXXXXXX XXXX. XXXX transfer the servicing rights and ultimately the loan is being serviced by XXXX XXXX. The loan mod reflects the amount deducted for escrows, also the XXXX statement confirms the same. In addition we have attached copy of the summary judgment that XXXX acquired in court. it reflects how XXXX paid for taxes & insurance in advance because the account is escrowed. At this juncture i am actively in a chapter XXXX, Bankruptcy Code, case no. XXXX. I am making monthly payments to XXXX, accordantly to the Chapter XXXX plan. However, as part of the negotiation, i was required to send my financial information to be review for loan modification. XXXX is reviewing the request, however as part of the loan modification process, escrows must be included in the trial plan. XXXX refuses to pay for the homeowners policy seeking higher payments by placing a forced placed policy. It is ridiculous on its face to claim i dont have an escrow account, when we have a mountain of proof that contradict XXXX poor excuse for not paying the insurance i provided pursuant to Florida Statute 501.137. In order for the loan modification to proceed we must have the insurance paid.
08/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 447XX	Web
XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case.
07/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33175	Web
XXXX XXXX XXXX have engaged in Extrinsic fraud. Under Florida law the definition of Extrinsic fraud was specially articulated in the United States V XXXX, 98 U.S. 61,65-66,25 L.ED.93 ( XXXX ), in which the United States Supreme Court said : Where the unsuccessful party has been prevented from exhibiting fully his case, by fraud or deception practiced on him by his opponent, as keeping him away from court. On XX/XX/2018, the law offices of XXXX XXXX XXXX XXXX XXXX, e-filed through the court system motion to re-set foreclosure sale without any notices to my attorney of record XXXX XXXX XXXX. If fact if you review the service list you will find that my legal counsel was not serve with these documents at all yet XXXX and thier attorney are fully aware XXXX XXXX is the attorney of record therefore we must be serve with all matters pertaining to the case .XXXX and their legal team failed to serve my attorney in order to acquire a sale date without the presence of legal counsel and my self. The motion reflects that the documents were sent to us instead of attorney. We received copy of said motion after the hearing had taken place and the sale date acquired without my knowledge or legal counsel XXXX XXXX. This act constitute extrinsic fraud, when the opponent party keeps you away from trying or defending your case in court. See motion filed for readiness for trial where my legal counsel was properly served by law, however in regards to acquiring a sale date, XXXX and its legal engaged in conduct related to extrinsic fraud. We have also attached plaintiff notice of readiness for trial where XXXX and its legal representative serve my attorney accordantly, however failed to do so in regards to the sale reset which constitutes in extrinsic fraud. On XX/XX/2018, we requested mortgage assistance however in retaliation for filling complaint against servicer relating Florida deceptive fraudulent ownerships transfer of the note Case no. XXXX, the request was denied. The servicer claimed that the investor of the loan does not offer modifications. XXXX is an approved XXXX XXXX servicer and participates on all Tarp loss mitigation resolution including and not limited to the XXXX XXXX Flex program, on which we meet all criteria.
03/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92883	Web	Older American
In response to your CFPB I am sending you this. I am also filing this with CFPB. As you wanted proof and you did not include entire emails just what you chose to send. As stated XXXX did not even give me time to accept or reject the application as it was dated and sent by snail mail on XXXX/XXXX/14 and was not mailed out til next day. I did not receive it til after XXXX on XXXX/XXXX/14 I sent them an email directly after and called them and was told time had passed. This again was a violation from XXXX against the XXXX as you are to be given 14 days to accept or reject and they would not let me accept because it was after the XXXX date at XXXX so there was no time to go to bank, get notary and send. I tried multiple time to send in to agree and they refused. They purposely mailed late and then stated I did accept in time when there was no time given. Make sure you have the facts and I printed out all the emails and requests from XXXX which were obviously not used because it proves the violation right there. Here are the other items that you have continually not addressed as well and this is the 5th time requested. 1 ) I have repeatedly requested a meeting with XXXX XXXX and he has never responded. To date I have left about XXXX messages with no response in past 3 months. I have yet to this date to ever have a phone conversation and have left numerous detailed messages and emails. 2 ) I have never been allowed to access loan online and I have attached the copies of the about 15 times requested it locked me out as soon as I registered and has never given me access nor has customer service responded or helped. 3 ) I requested appeal info from XXXX no response in 30 days and I sent in my own with tracking # XXXX ovenight. 4 ) I have requested as per your email to have him send out another application which I will complete with higher earnings and I do not excessive obligations at all and my finances show that I can make a XXXX payment or higher and I requested other options such as repayment or forbearance and get caught up with extra payments within 6-9 months. 5 ) So yes I am requesting a new financial packet ASAP and I have requested from XXXX but he has not responded.
02/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60013	Web
Currently, our home is in the final stages of foreclosure and our repeated attempts to modify our loan have been denied by XXXX and the investor that bought the loan from XXXX XXXX. We request your help in obtaining a modification of our mortgage. The beginning of XX/XX/XXXX my wife lost her job and our household was suddenly without an income as we were both unemployed. We were able to remain current with our mortgage for a couple of months and received temporary relief from our current mortgagor, XXXX XXXX, under the HAMP program. Our mortgage was dramatically reduced for a period of 6 months to provided time to find another job. At the end of the six months the difference between the reduced payments and the full payment as instantly due. Since neither of us had a job yet, a modification was not feasible and shortly thereafter XXXX filed a foreclosure action. In XX/XX/XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX. The loan was serviced by XXXX XXXX. In XX/XX/XXXX we filed for a loan modification and was denied because our loan to value at 21.35 % was too low. It is true that the loan to value for the XXXX loan is only 21.35 % but the overall loan to value of the combined first ( XXXX ) and second ( XXXX XXXX ) mortgages is much higher. The principal, interest and real-estate taxes and fees due XXXX currently amount to {$170000.00} and the amount due the XXXX is currently {$460000.00}. The total due of {$630000.00} is 112.5 % of the appraised value of {$560000.00}. The existence of the XXXX loan makes it impossible for us to refinance the first with any lender because of a combination of loan to value and a low credit score. XXXX refuses to take into account the second loan in determining loan to value of the property. In XX/XX/XXXX my wife obtained a job that pays {$170000.00} per year plus a 30 % bonus. This income alone can service both loans if we were able to modify both loans. XXXX XXXX has indicated that they are willing to modify but that we need to get the first modified first. We are looking for any help we can get to get XXXX to modify our loan so we can stay in our home of 24 years and get back in track financially.
10/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07621	Web	Older American, Servicemember
Filing this complaint towards BSI Financial Services, for double billing of late fee. The borrower, been making monthly payments dating back to XX/XX/XXXX. All monthly payments are been payment by bank cashier 's check. Payments have the standard monthly amount and monthly late fee amount, all included in the payment. For Example : Regular monthly amount of {$2100.00} and monthly late fee amount of {$66.00} for a total payment of {$2200.00}. The payee ( Borrower ), been making payments of {$2200.00} each monthly. The payment covers the regular monthly and late fee. The problem with BSI Financial Services, not crediting the late fees to the Borrower 's account. For the past XXXX seven months. BSI Financial Services Customer/Collection Representative been calling the borrower, and asking when will the payment be made. The Borrower, has questioned the representative from BSI Financial Services, why do XXXX XXXX being billed for {$370.00} in late fees, when the late fees are payment each with the regular monthly payment. The BSI Financial Services Representative " Told '', the borrower 's, the late fees " Will Not '' be credited to the account until the is current, which is the company policy. The Borrower, informed and requested, per telephone conversations with the BSI Financial Services Representatives each month for the past 6 or 7 months ; ( 1 ). BSI Financial Services need to credit the late fees to the account. ( 2 ). The borrower, requested a copy of the BSI FInancial Services Policy, which states, why the late fee are not the credited. ( 3 ). The borrower, informed BSI FInancial Services Representatives, that there action is wrong and if this continues and the late fee are not credited to account, a formal/official complaint with be filed. ( 4 ). As of this date XX/XX/XXXX, the borrower did not received a copy of late fee policy as requested for the past few months. On XX/XX/XXXX, The borrower got Reminder Payment Notice, which shows a new late fee amount of {$440.00}. This action shows that BSI FInancial Services continue to charge the borrower monthly late fees, and still failed to give credit for late fees, which have been already paid.
11/12/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 344XX	Web
BSI FINANCIAL SERVICES , INC - Awaiting response to " Conditional Acceptance '', XXXX XXXX XXXX, XXXX - No response from the alleged Owner/Assignee, SERVIS ONE, INC - No response from this Servicer ( Mail returned to sender ), XXXX XXXX XXXX XXXX, XXXX - No response ( Mail returned to sender ), XXXX XXXX XXXX XXXX ( Trustee ) - No response ( Mail returned to sender ). -- Within the last 7 months according to " Administrative Procedures '', I have sent several correspondence to the above entities and all except one has responded to my attempt to obtain information concerning the alleged debt. It is my position to remain in honor at all times. However, due to the excessive complaints of mortgage fraud, and the Supreme Courts decisions to overturn foreclosures due to fraud, I took it upon myself to assure that the loan in which I am the holder of the note is in good standing. All payments are being directed to a personal savings account until lawful ownership of the note can be determined and a copy of the proper documents submitted. According to the " Securitization Audit '' I received on XX/XX/2018 it has been indicated that the Assignments, transfers and signatures may be fraudulent. I have tried multiple times through Registered Mail to obtain information concerning the Note. However, I have not been successful. All addresses associated with the entities listed above where obtained from ( www.sec.gov ) and none appears to be in compliance with the regulated requirements or not in existence. There has been ample time given for all entities to respond to all questions listed in the affidavits and all have failed to provide the requested information and by " Tacit Acquiescence '' they have all agreed to the ESTOPPEL of all attempts and fraudulent activities concerning the alleged debt. According to the MAXIMS of Commerce " An unrebutted affidavit becomes a judgment in commerce. See Heb. 6:16-17. Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied ''.
08/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91104	Web
Honestly I think this a problem caused by both the credit reporting bureaus and BSI Financial Services the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found BSI Financial Services mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I reached out to BSI Financial XX/XX/XXXX with more than 15 pages of documentation.. SEE BSI FINANCIAL LETTER DATED XX/XX/XXXX , attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - XXXX XXXX XXXX I was told that even though I had a letter from BSI that no correction or update on this could be made unless and until received DIRECTLY from BSI Financial. I wen back to BSI Financial many many times, by phone, fax and email. I learned eventually BSI submits to the credit bureau. Eventually I was told BSI had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from BSI and BSI keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to BSI saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the BSI letter directly to the credit bureaus. Then was told If they hear nothing from BSI in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with BSI Financial
07/17/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA XXXXX	Web	Older American
There have been a multitude of problems with this account. First the most important is that for 1 year they have not fixed the issue of applying funds correctly which is about XXXX in funds they did not apply as requested and applied to fees I disputed and have proven to them multiple times I did not owe or were paid to previous servicers in the past. Previous servicer mishandling of funds is something the servicers need to handle and with one that went out of business and was involved in the class action lawsuit CFPB filed against them for fake forced placed insurance and another that I am in class action lawsuit against for misdated paperwork causing harm. Now also the latest with BSI and all is attached for for proof. I had sent in a payment of XXXX and told them to apply the XXXX in unapplied funds they had on there to complete the payme nt of XXXX . They did not do that but is was specified on payment coupon and also faxed them copy of what was supposed to be done on XXXX XXXX /17. On XXXX / XXXX /17 as soon as I saw that they did not apply correctly I called XXXX . I requested the funds be applied correctly. The Customer care rep said she could not help me and transferred me to XXXX XXXX to my contact XXXX XXXX . I had sat on hold for 12 mins and previous to that call sat on hold for another 15 mins. Now XXXX XXXX who was supposedly my contact has never once contacted. He never returned my phone calls. Then on XXXX XXXX /17 a letter that was delivered on XXXX / XXXX /17 all of a sudden changes my SPOC to XXXX XXXX . I requested someone call me so that I make sure payments applied correctly and if they were not going to apply the XXXX and XXXX correctly which is attached they need to stop reporting delinquent. They are over {$6000.00} funds applied to bogus fees I have never agreed to applying my funds too and that is attached. This account should not be 101 days delinquent. The games that BSI plays is astounding. CFPB there are over 1000 complaints about this company when are you going to do something. This is not a one person issue it is thousands being abused here.
02/16/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OR 97217	Web
My home mortgage is or was with XXXX XXXX a company out of XXXX from what I 've found online. In XXXX 2015 they stated XXXX XXXX XXXX. @ XXXX, will now handle their banking of loan. This XXXX was a scam, after many phone call saw that I was paying more to cover my property taxes, they 1st hide the fund seeing I would not drop it. They stated on my " Statement '' {$1700.00} paid in for credit? was for taxes. Then I thought was fixed they got the OK to sell to BSI in XX/XX/XXXX, we 'll XX/XX/XXXX rolls around taxes not paid, and the {$1700.00} was gone. BSI had a employee XXXX XXXX who stated that they and XXXX were partners same company just we do banking. He went on to state they had call 's, complaints and more that XXXX x of XXXX 's had issues with XXXX, fluffing the books, moneys missing. I gather proof with XXXX and mailed it to get told " we 've passed the loan '' and deal with the new company - BSI, just as shadie I 've called over 20 time W/cell phone, alone to show a pattern, leaving voice mails, no calls back. When their personal collecting agent call, I state I want to speak with XXXX, not available they 've now stated Monday XX/XX/XXXX he was fired. What it come down to for telling everyone the fact on XXXX rip you off, and we 'll BSI working to fix it but I feel it 's a scam also. We think XXXX feel 's I 'll drop it as, They stated " we do n't care to deal with it ''. I need someone to look into this ASAP, as it 's loan fraud by the banking again, if XXXX 's of XXXX 's are like me scammed then told late payment or skip a payment was to rip off payment. The scam like seen on news XXXX company all good loan 's set up a XXXX then " make 's mistakes, then they send buyer to home and by mail, the XXXX make sure to not take call 's, and loss more funds. I was never late, taxes covered, and all good the XXXX who work with XXXX come 's in now I have late fee 's money stolen, and we 'll found out all are all XXXX owned as XXXX company, trying to get more then they are allowed and my home, with banking scamming. I tryed to upload a letter or XXXX proof, just cant work computers -
06/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 374XX	Web
My mortgage is with BSI Financial. They claim I am behind XXXX payment on my mortgage. However, they refuse to take my calls. My so called " agent '' handling my affairs is either quitting, unavailable, or on the other line. I have had XXXX agents assigned to me since XXXX 2015 ; The XXXX was XXXX, who never would return a call. XXXX was XXXX XXXX, who cold called me XXXX to collect but would never again be heard from. Now, I have been assigned to a XXXX XXXX, who is following suit. XXXX have quit, so they claim, the XXXX will not return my calls or give me written proof of their claim against me. Also, there is a middle manager, XXXX XXXX, who I spoke with some XXXX ago. She said I have not fallen behind and that the clerical error was in fact BSI fault. She also told me over the phone that she would wave all fees associated and that I was in good standing. Unfortunately she did no such thing. The fees and everything persist. I called this week and a XXXX answered the phone. He claims that he has never even seen XXXX, that she does not take calls from customers, he even told me that she has no phone extension. He was very defensive and rushed me off the phone. Yesterday ( XXXX XXXX ), I left a message for XXXX @ XXXX and heard nothing. So I called XXXX and spoke with XXXX XXXX and she contacted BSI. At XXXX ( BSI closes @ XXXX ), XXXX calls but I am unable to answer, not to mention I did n't expect a return call at closing. I immediately called back, but she does n't respond. Called her again XXXX XXXX at XXXX ... nothing. I have begged for months for these people to simply give me, in writing, a legible printout of where I have missed a payment. I have begged for someone to contact me and simply discuss the matter. XXXX minutes would do. There are easily found sites where people have made similar complaints. BSI Financial is running a scam. They are simply scamming people out of thousands of dollars using intimidation and threatening to ruin credit, harassing phone calls, etc. http : //www.consumeraffairs.com/finance/bsi_financial_services.htmlhttp : XXXX : XXXX
07/30/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 346XX	Web
My loan went into default with XXXX XXXX XXXX for almost a year. I was working with XXXX to get a loan modification however after XXXX unsuccessful attempts to resubmit the same documents, we finally just gave up. It was causing undue hardship and mental stress to continue to provide documents again and again only to be stalled in the process. It 's very clear that XXXX was using stall tactics so that they would not have to move forward with the loan medication. In early 2015, I received a letter from XXXX that the loan was sold to BSI financial services. I contacted BSI who advised that they own the loan. I explained to them that I was continuing to receive foreclosure documents from the courts. BSI further explained that they now own the loan and will allow me to short sale my home. I advised BSI that I 'm not going to submit documents again XXXX times only to be stalled once again. BSI assured me that I did n't need to fill out any paperwork and instead they would connect me with XXXX of their preferred realtors to look at the home for potential short sale. Also, I would like to add that BSI advised that if the home did not sell within 60-90 days that they would accept a deed in lieu of foreclosure. They also advised that they would not hold me responsible for the difference whether its a deed or short sale. The realtor and BSI approved the short sale for XXXX and house was listed. Approximately 30-45 days later I received mail that a foreclosure judgment had been granted by the local courts. I contacted my realtor who advised that she would contact BSI to see if we could appeal to additional time to short sale the house. I never heard from her again. This week I received mail from the courts that BSI bought my home for XXXX. In essence, they sold the loan to themselves so that they can resell at a higher value. This is both unethical and fraudulent. They lied to me throughout the whole process and I seriously question if the realtor was in on it from the very beginning and has received some sort of kick-back for assessing the home 's value for them from the start.
06/08/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 945XX	Web
My interest-only adjustable rate line of credit was taken over by Servis One , Inc. dba BSI Financial Services, XXXX # XXXX , XXXX XXXX around XX/XX/XXXX . My agreed to LOC adjustable rate is 1 1/2 below the prime interest rate, which is currently @ 4 % making my current interest rate obligation 2.5 % today. The correct 2.5 % interest rate appears on both my XX/XX/XXXX and XXXX XX/XX/XXXX BSI loan statements. I received a letter from BSI Financial Services d ated XX/XX/XXXX stating : " we have determined that the interest rate on your loan was set up incorrectly due to a system error and we undercharged interest on your account. The total amount of undercharged interest during the servicing of your loan by BSI Financial Services i s {$71.00}. This amount will be billed to your account and will be reflected on your XX/XX/XXXX billing statement. '' I called the BSI toll free # ( XXXX ) provided on my letter and spoke with XXXX ( she would not provide her last name ) asking for a detailed accounting of this additional charge. A detailed accounting of this adjustment does not appear anywhere on my online BSI account at www.bsifinancial.com. I personally calculated my LOC adjusted interest rate and do not see any discrepancies in amounts I 've had automatically deducted from my bank account. XXXX could not help me out. She said she would send my request to the loan team and asked that I call XXXX back on Tuesday, XX/XX/XXXX to see if any details on this additional, unexplained charge could be provided. I told XXXX this was not acceptable ; my credit rating is excellent and I make monthly principal payments on my interest only account. I will not allow any financial institution to scam me. Federal law requires loan institutions to provide customers with details on loan charges. I 've had similar problems with BSI in the past. This company refuses to send written documentation to support random costs charged to my LOC. I wan t Servic Onc, Inc. dba BSI Financial Services. XXXX to be accountable for their actions.
02/24/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MS 38632	Web
I refinanced my mortgage loan ( 1st lien HELOC ) with XXXX XXXX. XXXX was wired a payoff on XX/XX/XXXX. The payoff they received was good through XX/XX/XXXX so XXXX was paid the complete principal balance and more in interest than was due. Additionally, the new mortgage company sent a letter which I signed noting I wanted the account terminated. On XX/XX/XXXX XXXX drafted the regular monthly payment on my loan which was already fully paid off. This caused an overdraft charge on my checking account of {$36.00}. When I saw the payment draft on my account in a pending status I contacted XXXX and was told they could not cancel the ach payment and I would receive the amount I overpaid in 10 business days as they have to make sure the wire is good. I was told the ACH agreement I signed to have the monthly payment drafted noted that I need to cancel any future payments at least 3 business days in advance. I dug out the ACH agreement and this was a true statement from BSI. This wasn't noted on the payoff statement from XXXX. I called a second time a few days later and was told they have never received the signed termination letter and would need to send it a second time. I was also told that it would now be 14 business days before they would know if the ach payment was good. Additionally I was told they would charge me interest until they received the signed termination letter. I have a negative balance as they drafted a payment that wasn't due and they indicated they would charge me interest on a negative balance. I emailed a copy of the payoff statement which was signed by me on XX/XX/XXXX when the loan closed and a copy the new mortgage company created both indicating the HELOC needs to be terminated and the lien released. I've called and left a message to make sure they got the emails ( I did get an email delivery receipt ) but nobody has returned my call. I feel that XXXX XXXX is purposely ignoring my overpayment and extending the time it takes to refund the overpayment. I believe this is a violation of UDAAP.
02/24/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 92691	Web	Older American
We had a loan modification put in place XX/XX/XXXX that expired XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX and the lender determined the monthly payment of {$1500.00} and the term ending in XX/XX/XXXX. This was not a re-modification but the remaining loan conditions. A transfer of loan servicing companies occurred during XX/XX/XXXX with payments due to the new company, BSI Financial Services, in XX/XX/XXXX. Timely payments have been made with the old servicing company as well as the new servicing company with all terms staying the same. As of today 's date, no XX/XX/XXXX statement is available ( usually mailed and nothing is online ). To our shock, the online account information shows the XX/XX/XXXX payment due of {$5200.00}. Why and how can a new loan servicing company just change the payment? Do we have to wonder if we can stay in our home every time a new servicing company is hired? The main issue is how do they have the legal right to change our loan? The modification period was over XX/XX/XXXX. The remaining rate and terms were decided at that time. Since that decision we 've made all payments on time. Nothing else has changed except a sudden change in our payment without notice, without a statement, without a reason, and besides all of that, about a 16 % interest rate. Notices from both servicing companies that announced a new Servicer will be collecting the loan payment state " Nothing else about the mortgage loan will change. '' Per BSI Financial Services, we can not make our normal payment of {$1500.00} because it will only be put into the " unapplied funds '' account. Only {$5200.00} will be accepted. So we not only have an invalid ridiculous payment change but now our good record and credit are in jeopardy since we can not make our valid mortgage payment. As XXXX XXXX barely making ends meet, we do not need this duress and stress. There is absolutely no reason for the new servicing company, BSI Financial Services, to change our loan terms, and even if we were n't seniors, this is outrageous.
05/14/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	IN 47304	Web	Servicemember
The company that owns our property has changed loan services multiple times over the past 5 years, and now with this new company named XXXX XXXX all of a sudden our payments are late or not posting on time to cause late fees in which those have increased as well, we are not getting our grace period and no one seems to know what it is. The late fee went from {$15.00} to {$30.00}. Our escrow has never been low, but now there is not enough to cover our state taxes in which has now caused our payments to rise. I XXXX faxed sales disclosure forms to the loan servicing office for someone to fill in the blanks for our homestead taxes which will lower the taxes and they have refused. The last guy named XXXX ( No last name ) that was in charge of our loan through this company, noticed the late charges that should not have been accumulated on our billing statements and he then was fired from the company. We feel this company is trying to make families in our position loose or take their homes because of these issues. My husband and I have tried to talk to the company and get nowhere. They first stated that they couldn't receive biweekly payments just to find out they told us wrong the first time, we also had to make changes to our bank account in order to deal with this XXXX company. We are sending copies of the documents of payment history, current statement, and documents from the county office that shows the owner of the property for the homestead. I have never had problems with a company like this, if you look at all payment history from XX/XX/2009 to now, we may have had a few late fees, but my payments were ahead until XXXX took the loan. The last photo is of the letter we receive every month because the payment hasn't posted in their system and no one can tell us a correct grace time, and if this isn't enough I can provide bank statements as well. Prior payment history should be available to see our payments were no problem before XXXX. I feel this is discrimination and something needs to be done now!!
04/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92653	Web
Ridiculous!!! I have been in review since XXXX XXXX Nobody at BSI Financial , our Servicer, will respond to our requests. When we send documents, we hear NOTHING. They do not respond to us, nor our counselors XXXX, XXXX and XXXX at XXXX XXXX. And DO NOT SAY YOU DO NOT HAVE AUTHORIZATION TO SPEAK TO XXXX AND CLOSE THIS CASE, like you tried to last time. My written authorization is attached. XXXX also tried sending our help request to the investor, XXXX and they did n't even bother to respond either. We have so many emails to them sending documents and then following up, and only TWICE has BSI responded to the emails. BSI, kept insisting that they never received any of the documents for the modification review. We continued to send the documents that they requested, it 's been over 1 year now. Since the beginning of the modification process they always had an excuse they never received documents for modification review - that or they just do n't respond whatsoever. They clained a HAMP denial letter was sent out as you claim in XXXX due to missing documents, however we have since tried to send back in numerous updated packets and information, which no one fully addresses nor corresponds back with us or the borrower. Getting someone to respond is like pulling teeth to say the very least ( see attached, all emails with NO RESPONSES ). We have reached out to the counselor assigned, XXXX XXXX, numerous times, no one returns our emails or calls. I tried calling three times on XXXX and was placed on about 30 minute hold each time with no answer. Out of desperation, I have also recently emailed reps from the past XXXX XXXX and XXXX XXXX to help, but no response from them either. We need a DEDICATED person to be assigned to this case - the people thus far have done nothing to help. Please see attached, just a FEW of the emails we have sent that NOBODY has responded to. PLEASE HELP. Nobody is trying to help. They put us on hold for a very long time, or they do not respond to numerous emails. PLEASE HELP.
02/06/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92130	Web	Older American
I have been making regular, timely payments on my mortgage since it was originated in XX/XX/XXXX. During that time the note has been sold twice -- first from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and more recently to XXXX XXXX XXXX. There were no issues until now, but XXXX is not crediting my payments on time. XXXX 's statements arrive on about the XXXX or XXXX of each month, with a due date of XX/XX/XXXX. I always mail the payment immediately. Until XX/XX/XXXX of this year the loan was interest-only, with amounts due ranging between {$330.00} and {$360.00}. I tend to add an additional amount for principal, so my payments total {$500.00}. ( My understanding is that the loan is now being converted to Principal + Interest. ) On XX/XX/XXXX XXXX phoned to say they had not received my payment for that month. To avoid late charges, I send a second check for {$500.00}. Both checks ( # XXXX, dated XX/XX/XXXX ; and # XXXX, dated XX/XX/XXXX ) then cleared my bank on the same day ( XX/XX/XXXX ). On XX/XX/XXXX XXXX phoned again with the same problem : They did not have my payment, even though I had mailed the check on XX/XX/XXXX. I discussed the recurring issue with their representative, who explained that XXXX is not really set up to process checks. She said they prefer electronic payments. This was news to me. I informed her of my check number ( # XXXX ), and as I knew they must have it, I did not send a second payment. The check cleared my bank on XX/XX/XXXX. I have now received a Past Due Notice, dated XX/XX/XXXX. Possible explanations are that ( a ) XXXX is no longer able to process payments by mail, although I was not aware of such a problem before XX/XX/XXXX, and/or ( b ) they are intentionally delaying processing of my payments in order to force me to pay electronically. I can adapt to their new requirement, but I am alarmed that my excellent credit rating will suffer because of a reported delinquency. Also, their late fee of {$17.00} is unfair and unjustified.
07/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 14094	Web
This is a new complaint seperate from my last complaint about bsi financial services. Bsi sent me a incorrect escrow analysis raising my payment by over XXXX dollars a month .after several unsuccessful attempts to get them to correct this with no success I filed a complaint with the consumer financial protection bureau. BSI promptly sent me a correct escrow analysis with a refund check because I had an excess in my escrow account. When I got the incorrect escrow analysis I contacted bsi that same day by phone and sent a qualified written request by certified mail the next day because I had the same problem last year and it took a complaint to the consumer financial protection bureau to finally solve the problem. Unfortunately XXXX months went by before the escrow analysis was corrected each month when my mortgage was due I sent in my regular payment amount of XXXX dollars instead of the XXXX dollars they were asking for. Even though they have sent me a correct escrow analysis and a new correct monthly payment of XXXX they are still sending statements that say I owe them XXXX payments of XXXX plus late fees.They did not apply the payments of XXXX to my account. They are still calling me and my wife by phone many times and we have both explained this to several different bsi representatives but it it is still not corrected as they just called me on XXXX XXXX 2015 for payment the agent had claimed to have no knowledge of the issue or my earlier complain to the consumer financial protection bureau. I explained the problem again but have know confidence it will get straightened out without your help.I have spent hours on the phone with them sent XXXX qualified written requests and XXXX complaints to you trying to get this simple problem fixed. Also I see online that this company has a f rating with the better business Bureau and many complaints online. I am going to send in my new payment amt. TO bsi this month even though they are asking for much more please help me!
01/13/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	FL 32205	Web
In XXXX 2015 I received notification from my mortage compnay that my note was sold. I recieved information on new servicing company and promptly updated my " billpay info '' at my bank. Set up payment for XXXX to be recvd by mortgage svcr on XXXX, due date XXXX. -On XXXX, I received correspondence from new mortgage servicing company indicating my original note required EFT payments. I called the servicer to confirm the information. At that time the representative did NOT mention I was " Past Due ''. - On XXXX, I called servicer with questions with their form, the representative was NOT able to answer my question. ( What my monthly payment is ). Did NOT mention I was " PAST DUE ''. For 1 week hence, every day I received calls from BSI, " attempting to collect a debt ''. - On XXXX XXXX, I received correspondence again, this time stating I was " PAST DUE '' for my XXXX payment. I confirmed with my bank the bill pay was sent on the XXXX for XXXX receipt. I contacted BSI to inquire where the disconnect was, the representative confirmed receipt of payment on XXXX. - On XXXX, XXXX I received a telephone call that I was able to take as I was off from work that day, from BSI, wanting to know how I would like to pay my past due bill. I escalated the call and recounted my story to XXXX, Supervisor- advised she and BSI need to revamp their training and make sure they are not calling to harass customers who have paid their bills. - On XXXX, AGAIN received correspondence from BSI, dated. XXXX, stating my " PAST DUE '' amount. PAID on EARLY on XXXX. This HARASSING communication from a company that I did NOT chose to do business with, is completely and totally OUT OF BOUNDS and illegal! I want BSI sanctioned for this behavior, from not XXXX, XXXX or even XXXX employees ... this seems to be a pattern with this company. PLEASE MAKE THEM STOP!, If they are doing this to me, I can imagine they are doing this to unsuspecting individuals out there in the population.
01/12/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 95076	Web
Dear CFPB, I want to report that there has been FOUR different entities claiming ownership of the alleged Note on my XXXX XXXX XXXX XXXX XXXX, CA XXXX property in the last four months. These entities are XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XXXX XXXX, XXXX XXXX XXXX, Trustee to the XXXX Trust X, XXXX, XXXX XXXX, and XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX XXXX. On XX/XX/XXXX I served a QWR and Debt Validation Demand Letter to XXXX XXXX the new servicer effective XX/XX/XXXX. Copy of QWR Attached. Attached are the four correspondence letters for confirmation from the following entities including XXXX XXXX XXXX., XXXX XXXX and XXXX First, on XX/XX/XXXX, XXXX XXXX acknowledged that the beneficial interest was assigned to XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XX/XX/XXXX-XXXX Trust. Also included on the correspondence was a Lost Note Affidavit dated and notarizedXX/XX/XXXX. Second, On XX/XX/XXXX XXXX XXXX acknowledged that the current owner of the note was XXXX XXXX XXXX, Trustee to the XXXX XXXX XXXX. Third, on XX/XX/XXXX, XXXX XXXX acknowledged that XXXX, XXXX XXXX was the owner of the note. In addition XXXX XXXX confirms that they have the collateral file, which includes the wet-ink signatures Note for this account. Copy attached to the Correspondence Letter. Fourth, on XX/XX/XXXX, XXXX XXXX acknowledge that the investor owner of the note is XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX Trust. I'm demanding immediate cancellation of Trustee Sale scheduled for XX/XX/XXXX and rescission of all the fraudulent, forged, robosigned documents, assignments, notice of defaults and notice of trustee instruments recorded on my property XXXX XXXX XXXX XXXX, CA XXXX recorded at XXXX County Recorders Office. Please email immediate cancellation of trustee sale confirmation to my email XXXX and respond to my QWR Demand Debt Validation letter pursuant to my FDCPA, TILA, RESPA, FCRA consumer protection rights. attentively, XXXX XXXX XXXX
10/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92509	Web
XXXX XXXX is facing a financial hardship. He has reached out to his servicer BSI for assistance to retain his home. BSI has stated that they will not assist XXXX XXXX because they are stating he has insufficient income and excessive obligations per the decline letter sent in XXXX 2015. XXXX XXXX has the home and a small car payment of XXXX monthly ; no further obligations. He is delinquent on his mortgage in the estimated amount of {$59000.00} without attorney 's fees and cost. He became delinquent due to his wife becoming XXXX. She was no longer able to work and there were excessive XXXX bills along with a curtailment of income. BSI then stated via email XXXX 2015 that the home has equity in the amount of {$100000.00} as XXXX is showing the value of the home around {$330000.00}. BSI failed to provide an actual figure which they should have on hand as they had just reviewed the home for modification. A BPO should have been on done and provided. BSI stated that the " current payoff not including fees and costs is approximately {$230000.00}. '' XXXX is failing to acknowledge the provable hardship and using incarnate information. The homeowner has NO equity in the home as he is behind since 2012 in the amount of XXXX without the attorney fees and costs. A short sale would not benefit XXXX XXXX. The value of the home ( see attached ) per the property profile that we paid to pull XXXX unlike XXXX which is free and more often than not inaccurate ) stated the property value of the home at XXXX. THERE IS CLEARLY CONFLICTING INFORMATION. XXXX XXXX feels that BSI is discriminating against him based on his Race, ethnicity, language, and national origin. There is no tangible reason for BSI to refuse to assist him. To clarify, they stated XXXX reason to deny him in writing and then stating another via email. XXXX XXXX is not against asserting his legal right in district court and will name BSI as well as XXXX XXXX and XXXX XXXX XXXX as defendants.
06/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 185XX	Web	Older American
I, have BSI loan service /mortgage., I have given my wife all permissions via fax. for her to handle all of my biz. with them, my wife and I never get a mortgage statement in the mail as to see what is being applyed to my loan, no statement to pay the mortgage. My wife has called last week & 6 weeks prior also, she must make copies of XXXX or XXXX rare statements that we have to beg them for, or just dig up their address & write a check. XXXX rep. said oh it is because I had a bankrupcy 15 years ago? Another rep. said oh yes every time you send a pmt. a statement will genarate, but this never happens. I am still waiting for any statement, my wife even begs these reps. for XXXX or XXXX statements with the same date so she can pay the bill. But the fact of the matter now I know the new rule as of XX/XX/2014 they must send a statement every month. I do think they are trying to make me have a late pmt. or a few, I feel this is a set up, to intensionally get me in fincial trouble. Also they failed to send my XXXX for my 2014 taxes, I got an apoligy letter XX/XX/2014 or so, after my wife and I calling, once again they lied & said they sent the XXXX for that year on XXXX dates, wow the post master must loose mail so much. what I demand is a timely statement every month, also this BSI said I had no homeowners ins. last year & once again, lie after lie they sent they want proof in the mail, post master lost a few of those letters too. I also want to recive that letter in a timely manner this year too. Yes I have XXXX & my agent faxed them their info. it is all in my file. Last year they put me in force placed ins. Desired resolution. TIMELY STATEMENT EVERY SINGLE MONTH OF THE YEAR, XXXX OUT BEFORE XX/XX/XXXX OF EVERY YEAR, TIMELY PROOF OF INSURANCE NOTICE AS SO WE CAN ALL COMPLY WITH THE LAW IN A CIVIL MANNER. ( BSI FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA.XXXX ) customer service XXXX this is the party my complaint is on.
11/21/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33012	Web
We have been attempting to qualify for a loan modification for over three years. We have submitted countless packages and documents to the lender/servicer XXXX XXXX. To this date we have not received an actual response either granting or denying a loan modification. Instead every time we contact the lender they advise us that our documents are under review and we are instructed to submit more documents each time. To make matters worse, our mortgage/servicer just changed on XXXX XXXX, XXXX. The new servicer BSI, states that the last set of documents the previous servicer XXXX XXXX provided them are from XXXX. This is completely erroneous as we had provided XXXX XXXX with documents countless times since then, most recently on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Even after XXXX took over our mortgage on XXXX XXXX, XXXX, it took them over a month for our file to appear in their system. I continued to call them for weeks to no avail as our file had not been uploaded. This was time that was wasted by the servicer as during this period my loan modification could have been worked on. After finally speaking to a representative from XXXX who stated they had no financial records from me since XXXX, he advised me that I probably do not qualify for a loan modification because my actual loan is too delinquent. This statement was made without any knowledge of my current financial situation or the fact that I have submitted a substantial amount of financial documents to the previous servicer, XXXX XXXX. The way this has been handled by the banks/servicer is completely unacceptable. I currently have the funds and salary to qualify for a loan modification and save my home. This is my homestead and where I have raised my children. Given the chance of being provided a loan modification, I will be able to pay the monthly payments and save my home. I now have a sale date of XXXX XXXX, XXXX and am I still attempting to save my home.
09/20/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WI 53218	Web	Older American
Demand Draft Fraud : To the XXXX I do believe that BSI Financial Services Inc. Has committed draft fraud, the company perform an unauthorized debiting of money from my checking account, through demand drafts they made it possible in stealing money from me. Arrangements was made for recurring payments of a certain amount to be withdrawn automatically from my checking accounts. The surprise I got was that withdrawals of a different amount was done with no prior written authorization no verifiable authorization before the demand draft was submitted for payment. As a condition set forth in my mortgage note indicates funds will be withdrawn to cover the monthly mortgage note ; the number of draft payments authorized, a written confirmation method was used, in the event the draft was inadequate or incorrect BSI fails to obtain an express verifiable authorization for additional funds. BSI Financial Services should be liable for civil penalties per this violation of money obtained in violation of the draft fraud. On XXXX XXXX, 1996, the Commission filed an enforcement action in the XXXX XXXX for the XXXX XXXX XXXX Georgia against a cluster of allegedly fraudulent sellers of magazine subscriptions who had used demand drafts in violation of Rule. ( XXXX XXXX This was the first action filed under the XXXX. I consider myself a victim of demand draft fraud, upon learning of the unauthorized demand draft amount against my checking accounts which was not authorized that is inconsistent in any way with any authorization that was given the rights to increase their payments by means of a demand draft correction. I am reporting this incident of misrepresentation, fraud, and theft regarding this demand drafts to my state Attorney General for enforcement action. As a result to my injury resulting from the demand draft fraud exceed over two hundred dollars. Sincerely, XXXX XXXX
06/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 949XX	Web
I began a loan modification 5 years ago with XXXX XXXX when I lost a portion of my job after the housing debacle created an economic downturn. I have applied numerous times with XXXX and although I qualified, they rejected my application time after time for erroneous reasons which threw me back into the system. They were finally unable to give me any more excuses so sold me to a new servicer with the same investor ( XXXX ) who then sold me to XXXX with BSI Financial as the servicer. I applied with them and they denied my application stating my arrearages was too much and do not have sufficient income. I do have sufficient income and the banks not taking my payment any longer threw my loan into arrears. I feel that this whole thing has been a scam and had I known in the beginning it was going to be like this I would have never done it. I worked hard for my house and do not want to lose it and I have done everything I have been asked and qualify, but they want my house and are not willing to work with me. These banks are crooks and were all bailed out and were suppose to extend the benefit on to the people, they have done nothing of the sort. I can see why people throw the towel in because they make it so difficult. My interest rate is 6.75 % and they could very well reduce my rate and make it easier. I am asking for help. They are saying even after I appeal this time that there will be no more appeal so time is of the essence. Please help. My name is XXXX XXXX I am at XXXX XXXX XXXX in XXXX, XXXX XXXX. My phone number is XXXX. My email address is XXXXXXXXXXXX. My loan number with BSI Financial is XXXX. My contact is XXXX XXXX XXXX - XXXX. The current letter I received is from Loss Mitigation dept. That address and number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - Fax # XXXX. They said I have to have the appeal in by XXXX/XXXX/15. Thank youXXXX XXXX
02/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77375	Web
RE : XXXX XXXX XXXX At the end of XX/XX/XXXX, all of my taxes had been paid off through my mortgage escrow account and there was a surplus of over {$1100.00} remaining in the escrow account. I contacted XXXX XXXX who told me that this escrow surplus would be disbursed in XX/XX/XXXX because that's when my account 's anniversary would be. I called today because I never received an end of year analysis/accounting report of my account which I believe is required by Federal law. XXXX XXXX told me the End of Year statements should be going out soon. While I wait to receive the End of Year statements I need the analysis/accounting report of my account. The customer service rep told me the account analysis/accounting report and the End of Year statement are two different reports. I know I had a surplus amount in my account at the end of XX/XX/XXXX of about {$1100.00} after all taxes were paid and my current escrow account reflects this surplus. It's my understanding that by Federal Law, all surplus money in an escrow account needs to be paid out. I need to know why XXXX XXXX is holding onto this money and why I never received an analysis/accounting report of my account to see all payments made from the escrow account. I believe this is referred to as the Annual Escrow Account Disclosure Statement. I had called and left messages but no returned calls from XXXX XXXX. The customer service reps at XXXX XXXX are not all helpful and when they explain things it's very unclear and they provide incorrect information. As I said, the customer service rep I spoke to told me the analysis report and the end of year report are two different reports. When I check my account online through XXXX XXXX 's website, my mortgage payment has already been reduced by {$15.00} for XX/XX/XXXX, but I never received an explanation or notification of a change in mortgage payment. Thank you.
08/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33068	Web
I have been trying to obtain a modification for this loan since XXXX XXXX and I have not received an answer. I have been working with XXXX XXXX XXXX and recently they sold my loan to BSI Financial Services. I honestly believe that this company has no intention of issuing me a modification for my home. I submitted a modification package In XXXX they review my file and told me I have until XXXX XXXX, XXXX to submit additional doc. I submitted the additional docs on XXXX XXXX, XXXX. I spoke to XXXX XXXX assistant and told him when to anticipate the documents because I was coming back from vacation and they will be submitted on time. I was told that once a modification was in place the property can not be sold. I received documents that my property has been sold. Then I receive document that the sale date was set for XXXX XXXX, XXXX. When I spoke to XXXX at the BSI he assures me that he would check that out and contact me. When we spoke he reassures me that there was no sale date set for my property. Yet I continue receiving court document of a court date. While I am waiting to hear the outcome of my modification, on XXXX XXXX, XXXX, I received a document dated XXXX XXXX, XXXX that they did not received my additional document so they can not issue me a modification and I have 30 days. Well the letter was dated XXXX XXXX, XXXX. So my question is ... 30 day from what date? I have called and left dozens of messages and no one has returned my call. Well, I do not know what kind of game they are playing. But the government need to put a stop to BSI and there unethical treatment toward consumer/borrower. I am in need of a modification for my home. I have a stable and sufficient income and I am more than able to afford this home. My place of employment is XXXX minutes from my home and I stay with my XXXX children. I am asking you to help me to work out this issue.
02/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60628	Web
XXXX XXXX XXXX Is my mortgage servicer. I written to them on XX/XX/XXXX asking for information regarding fees that has been charged to my account asking them to give me a written explanation on each fee because they have been charging my account every other month with a fee and sometimes two or three fees in one month. Fee, s that I have paid with out and explanation on XX/XX/XXXX {$35.00}, XX/XX/XXXX {$310.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX, {$190.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$950.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$390.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$83.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$62.00}, XX/XX/XXXX {$400.00},. This is a total of {$5200.00} cent, s. This company XXXX XXXX has only been the servicer of my mortgage since XX/XX/XXXX from XXXX XXXX XXXX they also played deceptive games with this loan. XXXX XXXX said on my XXXX from that I owe {$100000.00} I haven, t owed this amount since the year of XX/XX/XXXX my XXXX, s for XX/XX/XXXX and XX/XX/XXXX need to be corrected. I feel that for the year of XX/XX/XXXX I have paid XXXX interest on a {$100000.00} instead of paying them interest on {$100000.00}. I received on XX/XX/XXXX a pay off letter from XXXX and it stated that the pay off amount was {$94000.00} but on my XX/XX/XXXX XXXX it says that outstanding balance is {$97000.00} I feel that I have paid interest on {$97000.00} instead of XXXX or what was owed after I had paid on the mortgage for the year of XX/XX/XXXX. This information comes from my mortgage history and correspondence that they XXXX XXXX XXXX have sent me and it can be proved for each fee that I have paid I want a explanation on what that fee was for. And they are in violation of 12CFR1024.35 or 1024.36 b.
07/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77015	Web	Older American
Complaints : 1. Error in Credit Bureau Reporting of Late Payments 2. Fraudulent charges to account for untrue late payments 3. When BSI received account from XXXX the amount for misc. charges past on was a. In XXXX and XXXX with XXXX XXXX this fee was non-existent. b. In XXXX XXXX labeled it Corporate Advance - {$1700.00} c. In XXXX XXXX labeled it Other Amounts Due - {$1700.00} d. In XXXX and XXXX XXXX labeled it Expenses PD by Server - {$1700.00} e. In XXXX BSI labeled Other Fees Due - {$1700.00} f. In XXXX BSI labeled Total Fees and Charges - i. XXXX {$1700.00} ii. XXXX {$1900.00} g. In XXXX BSI labeled Total Fees and Charges - i. XXXX {$170.00} ii. XXXX {$1.00}, XXXX iii. XXXX. {$2000.00} iv. XXXX. {$2000.00} v. XXXX {$2000.00} vi. XXXX. {$2000.00} vii. XXXX {$2100.00} XXXX XXXX, XXXX Action taken : 1. Called BSI Customer Service at about XXXX and spoke to XXXX who informed me that I did not make a payment in XXXX XXXX and all subsequent payment were applied starting with XXXX XXXX leaving a month behind. 2. I assure her that I had never missed a payment. 3. I check bank statements and found canceled checks for the months in question. 4. Called BSI Customer Service at about XXXX XXXX and spoke to XXXX. I informed her about the error BSI had made and would fax copies of my canceled checks. She gave me the fax number and suggested I sent it to the attention of XXXX. 5. At XXXX XXXX I faxed copies of canceled checked and bank statements showing the payments in question have been made and cleared the bank. 6. Month in question : XXXX, XXXX a. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX b. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX c. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX
02/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85143	Web
Servis One Inc dba BSI Financial and XXXX Mortgage increased my monthly payment without cause or reason. They decided themselves that my property taxes would be increasing in 2016 even though the County Treasurer has not issued tax bills for 2016. They arbitrarily selected an amount of {$1200.00} as my new property tax amount and said I had an escrow shortage of {$1500.00} as a result. My monthly payment was increased from {$670.00} to {$890.00}. I have made 5 attempts to contact them by telephone without success. The recording says they are experiencing an increased call volume and disconnects after 15 minutes unless a voice mail is left. I have left 3 voice mails and my calls have not been returned. Next, the recording says " Under Federal Law we are required to inform you that BSI Financial is attempting to collect a debt and any information obtained will be used for that purpose. '' My account is not past due and is not is collection process. I am calling them to question my account. They are not calling me. In the past when I have reached a real person this same statement is read to me. I am calling my mortgage company, not a collection agency. None of the mortgage companies I have had in the past use such a derogatory statement. I find this offensive and believe it is unlawful for them to make such a statement when I am initiating the call to my mortgage company. Third, all of the tax payments that have been made on my behalf from my escrow account have been paid late. As a result I have been assessed interest and late fees by the County Treasurer. These fees have been paid from my escrow account. This company has tarnished my credit rating by paying the tax bills late and has mis-used my escrow account by taking the late fees and interest from my escrow account when in fact they were at fault for making late payments.
02/07/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 15237	Web
I am reaching out to you in regards to the same complaint I filed back in XXXX 2015, Case number XXXX in regards to BSI Financial. Despite my contacting your agency, I still have no resolution to the issues that began with this company, falsely reporting to the credit bureaus for late payments which are not late. I have repeatedly attempted to talk with anyone in this organization regarding an explaination of the random bills being sent to me as well as threats to foreclose on my mortgage while the entire time I am making my payments by the end of the month and have every month and this company is cashing my checks. Just last week I received a bill claiming I owe them XXXX and three days later a reminder that I owe them XXXX. Nevertheless, this false reporting has cost me the ability to refinance my home due to XXXX lates on credit report and as of today, XXXX XXXX, I have not received a valid explaination as to what is going on with my money. XXXX person tells me my mortgage was short XXXX on a XXXX payment and the next tells me I missed an entire payment when I have in hand every cancelled check paid by them. In their system, I was told by loss mitigation, that a payment for XXXX 2015 was missed and that they had the exact amount of the check that was cashed had a negative mark next to it. I have the cancelled check for this as well as bank statement, all of which I have provided and still they come up with no answers. Each new person I talk to refers me to someone else who cant explain. In the meantime, I have missed three days of work with all of the paperwork and research time and I still have no resolution and am heading into financial disaster due to barely keeping up with this high mortgage payment. Will someone please investigate these people. At wits end!!! XXXX XXXX
10/21/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NH 038XX	Web
On XXXX/XXXX/16 I paid my mortgage payment to BSI Financial Services through their web portal. on XXXX/XXXX/16 I called BSI ( spoke to XXXX ) because I noticed the payment was never debited from my checking account. They told me the payment was returned for insufficient funds because my checking account was closed. I informed them that my account was not closed, but agreed to call my bank. My bank confirmed that my account was still open, in good standing and BSI Financial had not attempted to debit my account. I then called BSI again and after being disconnected twice was finally able to speak to an agent named XXXX. I explained to him that BSI had never attempted to debit my account and he said it could have been an error on BSI 's part. He agree to process my mortgage payment over the phone and waive the usual {$20.00} fee. I asked if he would also waive the late fee since the error was not mine and I did attempt to make the mortgage payment on XXXX/XXXX/16. He instructed me to call back and request that the late fee be waived after my payment was processed and debited from my checking account. On XXXX XXXX, 2016 I received a letter in the mail from BSI Financial informing me that I owed a {$25.00} Non Sufficient Fund fee. Today, XXXX XXXX, 2016 I called BSI ( spoke to XXXX ) to ask them to waive the late payment fee and the {$25.00} NSF fee and was told by agent XXXX that she was not authorized to speak to me because of an active bankruptcy. I AM NOT IN AN ACTIVE BANKRUPTCY. She informed me that I would have to fax a letter of authorization giving BSI Financial permission to speak to me, which I did today. Also, please note that I have spoken to BSI Financial agents on seven other occasions since XXXX XXXX, 2016 and have never been asked to provide an authorization.
11/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76549	Web	Servicemember
I am a XXXX XXXX XXXX veterans ; therefore, in the state of Texas property taxes are not assessed. In XX/XX/XXXX, I informed the Mortgage Company ( BSI Financial ), that my property status has changed and that I no longer had to pay property taxes. The mortgage company explained to me that they would need the tax bill from the City before any changes to my account occurred. In XX/XX/XXXX, I received a new escrow analysis from BSI, listing no change. I immediately called the Mortgage company to speak about the inaccuracies in this report. Their Customer Service Rep explained to me that I had no worries, but to send documentation from the City stating the fact that I was exempt. ( See attached ). As of today, and after sending the attached several times and also, asking the City to send this same letter BSI and the multiple phone calls to BSI, still there has not been any changes to my account. Again, I spoke to BSI on yesterday and now they are asking me to send a bill from the City that states XXXX balance. I explained to them .... that the city send them the bill and even though it didn't state XXXX balance, the amount paid for XXXX was significant less than the previous years, and yet they failed to request another analysis, based upon the amount paid ( XXXX ), again for XXXX. As of yesterday, a request for a reanalysis was request. Even though the re-analysis should be based upon XXXX and not XXXX. My issues are, I am a XXXX Veterans ; who property taxes are not assessed, who is not require to pay property taxes ; therefore, my escrow account with BSI should reflect this fact. I should not have to wait until XX/XX/XXXX until a new bill for changes to occur. ( 17 months ) Especially, when the attach letter states, " The taxes for XXXX will be {$0.00}.
04/18/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92883	Web	Older American
XXXX XXXX you do not address any of the other issues as online access. As well I am happy to print out copies of phone calls to show you how many times I have called XXXX as well we can set up a meeting so I can play you every recording of voicemails to XXXX and any voicemails he left me. The vagueness of your responses is ridiculous. The other item is who is doing your loan Mods and decided I had I had excessive obligations. That is funny because I do have XXXX to pay and I do not agree with all of so called fees you are trying to charge on top of that. As soon as I was going to pay your Reinstatement and I told you in writing I appealed my loan mod denial on XXXX/XXXX/16 I received on XXXX/XXXX/16 that my paperwork was received. Instead of letting me reinstate by XX/XX/XXXX BSI violated CHBOR by dual tracking and not looking and sending out anything on my appeal. I sent my appeal within 27 days and BSI never sent out anything on denying my appeal or having someone else look at it or requesting any other info. XXXX XXXX also have email I sent him on XXXX/XXXX/16 requesting that I was appealing as well as voicemail that day. Instead you had a company and use incorrect information violated CA laws of dual tracking and filed an NOD on XXXX/XXXX/16 which I was notified about on XXXX/XXXX/16. I will be paying what is owed on back payments of mortgage but I will not be paying your fees that you are trying to charge. Nor can you foreclose due to your fees which I am disputing in the excess of XXXX!!! I will take that to court and as I stated have a lawyer and all the proof I need on these violations so BSI will be paying for their violations as well as your XXXX falsely trying to foreclose on CA homes and then flipping houses is entirely unethical and will be proven
06/19/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	FL 32043	Web	Older American, Servicemember
In XX/XX/XXXX in the aftermath of Hurricane Irma, XXXX XXXX offered six month payment forbearance to residents in Florida impacted by the catastrophe. We accepted, received the agreement to begin payments in XX/XX/XXXX. We continued to receive late notices and additional late fee statements, called in and spoke with the individual with whom we had originally discussed the agreements and were told to ignore these as they would be updated after the end of the agreement term. We also exchanged several emails in this regard. In early XX/XX/XXXX I phoned her again to see how we should begin making the payments as we were told not to send them in the advice envelopes, and was told they were not ready yet to receive these payments, that we should not send until XX/XX/XXXX. They had not been prepared for the volume. So in Mid XX/XX/XXXX, we mailed the XX/XX/XXXX payment to the address we were given via email from XXXX XXXX at XXXX Mitigation. We continued to receive late notices with an amount past due in excess of {$19000.00}. The check for XX/XX/XXXX and XX/XX/XXXX cleared our bank account, and around XX/XX/XXXX, we started receiving calls as to why we had not made the payments. Ultimately, the caller had to admit they did have the payments an apologized for the two calls ( latest was Thursday, XX/XX/XXXX ). In addition, an appraiser showed up at our home unannounced to 'check things out ', which was a total shock. Now, XXXX has reported 120 day past due to all the credit reporting agencies for both me and my wife. Our credit rating has been stellar and this is not only embarrassing, but it has caused us to have to hire legal help to get it resolved with XX/XX/XXXX. They have handled this so poorly from the very beginning, and now they are harassing us mercilessly.
06/30/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95207	Web
We purchased a home and had a mortgage through XXXX XXXX XXXX. Late 2014 our home loan was sold to BSI Financial. With XXXX XXXX XXXX, we were never behind in our monthly payments. Before BSI even gave us a monthly statement, we recieved word that we were behind in our morgage. Furthermore, we did not recieve a morgage statement for XXXX or three months, so we made our monthly payments to XXXX XXXX XXXX in the mean time. This payment was some {$6000.00} dollars. THEN, BSI was given the money we had paid to XXXX XXXX XXXX, but instead of putting it towards the morgage statements for the months we had paid XXXX XXXX XXXX, they put that money into a PARTIAL PAYMENT ACCOUNT. This account was never linked with our " overdue '' account balance and perpetually showed that our account/morgage payments were " late. '' We have contacted BSI monthly. Weekly sometimes, asking " WHERE IS THIS MONEY?? AND HOW COME IT WILL NOT APPLY TO OUR MISSED PAYMENTS?? '' They simply tell us we are late. " WE ARE LATE. '' That is their answer. We ask how are we late when there is money to pay the late morgages, and they tell us " we are late and we need to be 'caught up ' before they can work with us. WE STILL HAVE NEVER MISSED A PAYMENT!! Yet we are always late because the money that we paid XXXX XXXX XXXX, which was then given to BSI, was NEVER APPLIED TO OUR MORGAGE. ALSO!!!!! We have a DEFERED INTEREST ACCOUNT that containes {$7900.00} and when asked what this money is going towards, and why it does not apply to mortgage, they WILL NOT answer the question. Repeat : THEY WILL NOT answer the question. BSI is hurting us financially and economically. We would like this money to be applied to our mortgage so we are " Caught up '' and not " delequent '' as they falsly state.
01/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33069	Web
I, XXXX XXXX, acting as Power of Attorney for XXXX XXXX, am submitting this complaint on our behalf. My brother, XXXX, took out this mortgage, but I am the co-owner of this property and I am listed on the deed. I have lived in this home since it was purchased by XXXX for me and I also have a Power of Attorney signed by my brother that authorizes me to transact any business related to this property. I have enclosed a copy of that Power of Attorney to this complaint. I have made all the mortgage payments on this property, but began struggling to make my monthly mortgage payment since XX/XX/XXXX when the mortgage payment went from $ XXXX/month to approximately $ XXXX/month. I have been communicating with the servicer and applying for a loan modification since that time. I have submitted applications and supporting documents for 3 years now with no result. Recently, in early XXXX, I submitted what I believed to be a complete loan modification application to XXXX XXXX and I was awaiting the results when my loan was transferred to XXXX XXXX XXXX around XX/XX/XXXX. On XX/XX/XXXX, after my loan was transferred to XXXX, I received a solicitation from XXXX that my loan is qualified to apply for the " Mortgage Freedom '' program. The solicitation said the program did not require a paper application or any supporting documents. Since that time until the present, me and my HUD approved housing counselor have attempted to contact XXXX to discuss the Mortgage Freedom program. Unfortunately, we have received no response from my Single Point of Contact at XXXX, XXXX XXXX, nor any other representative from XXXX. We have left numerous voice messages that have gone unanswered. My home is currently in foreclosure and a sale date may be set soon. I need help now!
04/02/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33770	Web
XXXX XXXX has created an extreme amount of stress in my life and are attempting to kick me out of my home. The received my loan via a loan transfer from XXXX in XXXX of XXXX. Prior to my loan being transferred to XXXX, XXXX gave me a modification in XXXX of XXXX. The modification deferred 30 % of my principal and gave me a 4.25 % interest rate. I was to make three payments and then XXXX was going to give me a permanent modification. However, after I made my first two modification payments for XXXX and XXXX on XX/XX/XXXX and XXXX XXXX respectively, my loan was transferred to XXXX on XX/XX/XXXX. I was not advised of the loan transfer and attempted to make my final modification trial payment due XX/XX/XXXX on XX/XX/XXXX to XXXX, but they advised me that the loan was transferred to XXXX. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to make my final trial payment, but their representatives wouldnt take my payments because they advised that the loan hadnt transferred yet. XXXX wouldnt take payments and I convinced XXXX to accepted the last trial payment at the end of XXXX of XXXX. Then XXXX sent me a letter and wanted me to make three more payments and offered her 6.375 % for the balance of the loan. XXXX said that the old modification fell through because I didnt make the last trial payment!!! I have tried multiple times to get XXXX to fix this, but I am getting shut out and I see that ultimately I will lose my home through foreclosure. XXXX has set a sale date of XX/XX/XXXX on my property. I dont know what to do and am so frustrated and afraid that I will to lose my home. It is shocking that XXXX has done this to meand probably others. I am an elderly woman and there is no way I am going to let XXXX get away with this and take my home away.
04/12/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 76180	Web
Long story short, we had our original mortgage with XXXX with a balloon loan that had matured and XXXX would not refinance. They tried to foreclose, so we filed chpt XXXX on the entirety of the balloon balance in XXXX we paid off the XXXX never missed a payment and was discharged completely in XXXX. XXXX XXXX we get a bill from XXXX saying we still owe XXXX. We hire a lawyer and takes a year but XXXX admits their wrongdoing and releases the deed to us. However, in the meantime, they had sold the loan to BSI financial in FL. These people will not deal with us on this matter. We fulfilled our obligation to XXXX mortgage and BSI should never have been involved, but they are because of XXXX. They are now every month filing us late payment on our credit report on a loan that is fraudulent and we do not owe. They are killing our credit rating and they are doing it on purpose, they have all the necessary documentation that shows XXXX was at fault and not us. They are punishing the wrong recipient. I have talked to reps at BSI before and been told they were looking into it, we know what that means, but now they have refused to even speak to us. I will have to pay a lawyer again for something that is not my fault. BSI are blood suckers and are breaking the law by trying to collect a debt that was covered and paid in a chpt. XXXX trying to refinance home improvement loan and ca n't be touched all because of BSI whom we do n't owe a penny to, never did and never will. They went so far as to change our address on our credit report to our lawyer 's address ... how can they do that and how can that be legal. This should have all been resolved in XXXX and still dealing with it 3 years later. This is fraudulent, illegal, and just plain wrong.
04/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OK 737XX	Web
I filed Chapter XXXX bankruptcy in XX/XX/XXXX, during my whole Bankruptcy procedure, I was locked out of my account by XXXX XXXX and they would not communicate with me on the phone at all. My Chapter XXXX was complete on XX/XX/XXXX and I never missed a hose payment the whole time. In XX/XX/XXXX, I lost my job and cashed in my 401k. I have been working minimum wage jobs and using my 401k to pay my Bills. XX/XX/XXXX was the first time I had fallen behind. I knew my 401k money was running out several months before that, so I requested a loan modification from XXXX. I have gone through the ringer, refaxing them things over and over again ( 3 times ). I got a letter about two weeks ago, saying they had gotten a complete file and were reviewing my modification. I sent in my XX/XX/XXXX payment and it did not clear the bank, it was from my friend and she was rushed into XXXX and was unable to make her deposit. They were notified befor the check ever came back to them. XX/XX/XXXX I called to find out how to get the check back and to tell them I had gotten a new, better, job and my situation would not be long term now. I spent 42 minutes on the phone with a customer service agent who took a payment arrangement of {$200.00} by XX/XX/XXXX. Today, XX/XX/XXXX, XX/XX/XXXXXXXX FROM XXXX CALLED to say I had three choices, he began to rattle them off to an authorized person on my account, who told him she was on bed rest. She told him she wasn't getting out of bed to go get a piece of paper. She later called back and asked for them to email what they were talking about and the refused. They don't seem to want to EVER provide anything in writing. My representative has spent 3 months, solid dealing with them and has gotten no where.
06/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 96002	Web
First off, my mortgage company said that I owed {$8000.00} on my XX/XX/XXXX statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on XX/XX/XXXX and cleared the mortgage company on XX/XX/XXXX. In XX/XX/XXXX, I received another bill saying that I still owed an additional XXXX over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that BSI ( loan servicing company ) reported to all three credit bureaus that I was late for my XX/XX/XXXX payment. My broker at XXXX XXXX XXXX got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of XXXX to an average of XXXX and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems. In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the XX/XX/XXXX or the latest the XX/XX/XXXX of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the XX/XX/XXXX then they charge me at least {$120.00}.
12/05/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 90068	Web
Im filing a complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for violations to the Automatic Stay and Bankruptcy Law. Section 362 of the Bankruptcy Code. The Stay. 11 U.S.C. Section 362. Im currently in an active Bankruptcy Case # XXXX and XXXX refuses to remove pending sale date for XXXX XXXX, 2017. As a result of this abuse Im concerned that this pending action will cause me financial and emotional distress and hardship. Due to the constant threats of foreclosure against my property for an illegitimate loan which XXXX and XXXX XXXX XXXX, purport that is owed, I have also been forced to file a federal lawsuit in the XXXX District of California Case # XXXX XXXX - XXXX XXXX ( XXXX ) for fraud and misrepresentation in order to defend my interests in the home. Creditors face liability for damages to debtors for automatic stay violations. I m seeking actual damages, punitive damages, attorney 's fees and costs for this creditor willfully violating the automatic stay. I have provided proof of this action in writing of this collusion between XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and their actions to be willful. Furthermore, XXXX XXXX XXXX is not licensed to conduct business in the state of California. This is a violation to the California department of business and secretary of states offices as well as local and federal rules which apply. XXXX, XXXX & XXXX, have also failed to respond to my qualified written request and has not validated the alleged debt per Real Estate Settlement Procedures Act RESPA and also has violated the rules surrounding the Fair Debt Collection Practices Act FDCPA. See Exhibit A Proof of my bankruptcy filing and proof of pending sale date notice XX-XX-17.
08/30/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 076XX	Web
My HELOC was transferred to BSI in Pennsylvania in XX/XX/XXXX, they always messed up my payments, and recently I just called to get my rate information, to no avail. My loan is now transferred to another company. I need my rate information, as I feel they might have put it in wrong, and at 2.25 %, with all the payments I have made, my loan should have gone down substantially, which it has not. I have not been on top of this, as I have been taking care of XXXX friends who have XXXX, and the past XXXX years have gone by so fast. I just caught up with everything, and I noticed that the information they sent to the new company is off by 1 %, so I need to get the correct information from BSI. BSI sent me a print out, which I ca n't make heads or tails out of, and I have been in XXXX for over XXXX years. They seem like they are quite backwards as far as their computer system. I want to make sure they have the correct rate information, as my rate is always 1 % lower that the prime rate in the XXXX XXXX XXXX. I have made many payments over the monthly payments, which should have been going to principal, so I do n't understand how at the rate I am, that my HELOC has not really gone down. I would appreciate any help, as this is just snowballing, as BSI has sent out the wrong loan information to the new company XXXX XXXX XXXX in XXXX California. They have my rate as XXXX, and as indicated by the FDIC, which took over the bank I originally had the loan with, my rate will always be prime minus 1 %. I am asking for help in this matter, a $ XXXX loan that I started with in XX/XX/XXXX, should not be $ XXXX, I have made payments above the minimum payment, and always to principal. Thank you, XXXX XXXX
06/26/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95476	Web
The mortgage servicer assigned me to two account representatives who refuse to return my calls, and no one else at the company has the authority to help me resolve my issue. Background : I was notified of an escrow shortfall of almost {$10000.00} that had been accumulating for more than a year on my account. I received notification by regular mail on XX/XX/XXXX that as a result, my payment will increase on XX/XX/XXXX from {$2400.00} to {$3800.00} to cover the shortfall. Through my own research I discovered that in a HAMP refinance, the prior servicer failed to account for my full annual property tax, and my payment was calculated too low. I never received any escrow statement from the prior servicer ; my loan was transferred to a new servicer in XX/XX/XXXX, and I also never received any warning of a shortfall from the new servicer until XX/XX/XXXX. I immediately began calling to resolve the issue and was informed that generally shortfalls can be spread over a longer period of time, but XXXX XXXX and XXXX XXXX would be the only people who could discuss the matter with me. I have left each of them at least 10 messages, at least once per business day, since receiving the notice. I have also written and emailed the company with a proposal to extend the payment schedule. Furthermore, the company has failed to credit a timely payment lost by the prior servicer and acknowledged as a correction by the prior servicer, which would serve to offset some of the shortfall. To date I have received no return phone call nor any return email or letter. This morning I was informed by customer service that XXXX XXXX is no longer with the company, so now there is only one person - XXXX XXXX - who can help me.
10/26/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	RI 02852	Web
Received XX/XX/XXXXstatement in XX/XX/XXXXand amount due was listed as {$1200.00} ( 4.375 % rate ) which I have been paying. I have my payment withdrawn automatically and the amount they withdrew was {$1300.00} ( 5 % rate ). When I did discover a shortage in my checking account I researched only to find that XXXX deducted a different amount than my statement. Upon numerous calls, why has there been no return call from XXXX with resolution? I was told that there is a note on my file stating that the account is under investigation. Who does not call a client when there is a problem and who changes/reverses an account 'completely ' without discussing it with a client. I had a modification done XX/XX/XXXX and the rate was taken to 4.375 %. I have the paperwork which is signed and notarized. Next statement I received reversed my legal agreement of XXXX XXXX and changed all the statistics WITHOUT DISCUSSING OR REVIEWING WHAT IS GOING ON WITH ME. It's now well over a month ago and when I do call I am being told that it is still under investigation. My XX/XX/XXXX payment of {$1200.00} is not being properly reflected and I'm getting calls asking when I am going to make a payment ... which they already had. Personally, I feel this is a computer glitch and should have been resolved within a week. I canceled my auto payment and sent a check in the amount of {$1200.00} for XX/XX/XXXX as per our agreement enclosed and notarized. Any wrongly withdrawn monies, {$66.00} to be exact should be applied to my principal. I need XXXX to make the corrections back to 4.375 % and legally honor my XX/XX/XXXX agreement. I have sent them a copy of the agreement that they signed and notarized.
10/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CT 069XX	Web
About XX/XX/XXXX XXXX XXXX made a predatory loan to me on my home. It was a negative amortization loan which I did not understand. The balanced balooned to $ XXXX when XXXX bought XXXX. I submitted multiple modification requests to XXXX and later XXXX. None were accepted because they kept claiming they lost the paperwork. XXXX sold the note to a hedge fund after a failed attempted short sale. The hedge fund located in XXXX, XXXX has refused various modification proposals and a refinance that I arranged through XXXX XXXX XXXX. They kept litigating to foreclose and take the property away from us. I declared bankruptcy on XXXX XXXX, XXXX and have bought some time but not much. BSI Financial the servicer refuses to cooperate as well. They have given me the run around. My loan number with BSI is XXXX, The loan is under XXXX XXXX. I invested {$450000.00} ( probably more than the hedge fund ) in the house which I bought for $ XXXX in XX/XX/XXXX. The original mortgage was $ XXXX. I got laid off from my job in XX/XX/XXXX from XXXX XXXX but kept up my payments until XX/XX/XXXX. Recently as I expressed to BSI Financial, my income is $ XXXX/month yet they refuse to modify. I also have a commitment from XXXX XXXX XXXX for a {$750000.00} new mortgage which they also refuse to consider. I need your help. We are hard working Americans and I was a XXXX XXXX and have an XXXX from XXXX University in XXXX. The market has been very bad in XXXX but we have been able to survive. I need you to set things right so we do not lose our home. I have XXXX children and have been married for 20 years and together with my wife 30 years. Please help. XXXX XXXX
11/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92337	Web
This will be our XXXX filing with you guys. As of today we have also hired a real estate attorney to represent us in State court. Our loan was originally with XXXX XXXX XXXX with underwriting when it got transferred to BSI. We were told BSI would pick up where they left off and complete our modification. Both my husband and I were previously laid off and fell behind on everything. We were only asking for a recapitalization. No debt to be written off. No decrease in interest rate. We were fortunate enough to find full time jobs again and I ended up making more money then before. We have submitted proof numerous times and they still decline any type of assistance. These people are the rudest most unprofessional people in business I have ever dealt with. There are numerous complaints about them on line and numerous people trying to get a class action law suit started. The only option they give you is foreclosure or short sale. We have been in our home for 18 years and all of our children have been raised there. We have provided proof we can afford even an increase in our house payment. I do n't understand why they would rather someone lose their house then working with them. Along with hiring an attorney today, we have also contacted the state attorney general, HUD and the housing authority. Our home is currently on the market for sale and is n't even released from the bankruptcy that we were forced to file and dismiss multiple time trying to work with BSI. Please investigate this company as they are ruining peoples life. They refuse to work with anyone. I wish our loan would of just stayed with XXXX XXXX XXXX.
03/23/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web
Company charged fees to my account which they can not support and will not provide documentation for. Company Assessed 2 identical " Fees '' to my account in the amount of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. The first they say was a charge from my previous servicer. However my previous servicer never charged the fee and it never showed up on any statements. BSI is the only entity trying to charge the fee. They " claim '' it was for foreclosure costs incurred by the previous lender, however I was in active loan modification negotiations with the previous lender all the way through transfer of my loan to BSI. Charging " foreclosure '' fees would have meant they were dual tracking.. Which is Illegal. The second charge is inexplicable even by BSI. I have requested on multiple occasions, documentation or explanation for this charge and they have refused to supply it and in phone calls admit they ca n't even figure out what it is for. They promise to resolve it and then simply never follow through. On one occasion when I made a demand in writing ( of which I have made multiple ) they simply grabbed a stack of ( trash ) paper ( meant for recycling or shredding ) stuffed it in an envelope and mailed it to me. They have assessed a TOTAL of over {$15000.00} in fees some of which they have provided some backup for but most of which seem excessive. Legal fees related to the Chapter XXXX I had to file because they refused to negotiate a loan modification with me despite my willingness and ability to pay. However I am simply pursuing these two charges as they are blatant and unsupportable.
05/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 234XX	Web	Servicemember
On XXXX/XXXX/2016 I paid the REMAINING BALANCE of my mortgage in FULL via XXXX check in the amount of {$1.00}. On XXXX/XXXX/2016, " XXXX '' informed me my payoff could not be applied to my account until a {$41.00} recording fee was paid. On XXXX/XXXX/2016 the {$41.00} recording fee was paid via XXXX check. Today, XXXX/XXXX/2016 I have received a late fee of XXXX for the {$1.00} remaining balance because XXXX XXXX/ '' XXXX '' never applied my payment to my account ( violation of FCRA ). My {$41.00} recording fee was never applied to my account either ( violation of FCRA ). My loan has failed to be reported as PAID IN FULL to ME or the credit bureaus ( violation of FCRA ). It is almost XXXX and BSI continues to sit on my payments instead of applying them in hopes of squeezing out late fees from consumers ( violation of FCRA ). Today, I called BSI and refused to get off the phone until I had emailed proof of application of payments. " XXXX, # XXXX '' and " XXXX, # XXXX '' hung up on me on two different occasions as I sat in front of my computer waiting to receive this " promised '' email. I finally received a " payment history '' from XXXX XXXX, however the payments still show as unapplied! BSI has a long history of refusing to apply payments and charging late fees to consumers, not to mention daily harassing phone calls ( 3-5 per day ) starting the XXXX of each month when consumers have a grace period until the XXXX! When will someone DO SOMETHING about the XXXX and XXXX caused by this company on honest, hardworking, PAYING consumers like me!!!!!???? XXXX XXXX
09/27/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92584	Web
BSI Financial was the servicier of my loan after XXXX XXXX XXXX sold it tothem in XX/XX/XXXX, when I first spoke with my negotiator I told her I wanted to keep my home and since it was in default at that time, she told me it was not an option and I needed to sell my home, I was never given a chance to save my home from BSI. They would allow me to sell it but not keep it, I put on market but could not sale, they also referred agents but could not sale, but they would not even take my financial information would not send me a workout packet only told me to sale. I got a new negotiator and we would email each other, I have an email in which I ask him why was I not given an opportunity to save my home he just said it was unfortunate. I still have that email. My husband bought this home in XX/XX/XXXX and passed away in XX/XX/XXXX, my namw was not on the loan but I was left with power of attorney he signed in XX/XX/XXXX, I sent that to bank along with his death certificate and was told they would allow me to sell but no workout was given. My home has now gone to sale as of XX/XX/XXXX and went back to bank, they sent out a relocation manager asking me when would I be moving out. As of yet there has not been a unlawful detainer filed but I am sure once they are aware of this complaint they will rush and do it. I just wanted an opportunity to keep my home and I was not given that chance, I have all emails from the negotiator and I. They could never answer my question and that was if you will allow me to sale it why would you not allow me to keep it all i wanted was a chance.
06/25/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 064XX	Web
We have recently been informed that the investor/owner of our mortgage ( investor ) made the decision to apply the amount we have overpaid to our principal balance instead of refunding it as our escrow account surplus. It was told to us that the investor has the right to do whatever they wish with the money that was paid to XXXX XXXX XXXX ( XXXX ) during our mortgage modification trial plan ( modification trial ). Upon review of the paperwork supplied with our modification trial we discovered that the amounts paid ( approximately {$10000.00} total ) were actually required to be applied to the oldest owed mortgage payments but the money was not. Nowhere in our paperwork does it indicate the investor has the right to do anything except apply it to the oldest owed mortgage payments. Instead the money was applied to our escrow account by the investor when we did not move forward with the final mortgage modification. As the money was in our escrow account at the time we became current on our mortgage we are owed that money as an escrow surplus. In a XX/XX/2018 telephone conversation we were assured by the investors representative that we would be paid any escrow account surplus at the time we became current on our mortgage, which happened XX/XX/2018. We made financial decisions based on that representation and the escrow analysis letter we received. Or conversely if the payments had been applied to our oldest owed mortgage payment we would have not had to pay nearly {$10000.00} additional funds to bring our mortgage current placing a serious financial burden on us.
09/12/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 18976	Web	Older American
Current mortgage servicer took over my account mid XX/XX/XXXX. Made the XXXX XXXX payment and it was returned to me along with a letter stating they could not accept my payment because the previous servicer gave them records indicationg I had made no payments for seven months and my account was in foreclosure status. I provided documentation showing the payments were made and I was not in arrears. I have also provided documentation that my bankruptcy was discharged in XX/XX/XXXX and all payments due the mortgage company were paid by the trustee of the court. I have sent them every piece of evidence indicating payments have been made and no monthly payments were missed. Their response is that they are waiting for the previous mortgage servicer to provide them with information as to where these payments were applied. In the meantime, this whole issue hangs over my head with no resolution in sight. They have not accepted a payment from me for 5 months. I am making sure that money is kept available so I can send them what I owe them if and when the time comes. The stress is tremendous and I do n't understand why this matter is not yet resolved. I went through 5 years of a chapter XXXX bankruptcy and am trying to restore order to my financial future. These mortgage servicers are not doing enough to resolve this issue. Is there nothing that can be done to force them to get this matter straightened out. Do they have the right to just do as they please. What if I wanted to sell my house. I ca n't because of their screw ups. I need help badly as I am at my wits end.
01/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32174	Web
This company, XXXX XXXX XXXX, shows on our account history they have been paying PMI monthly out of our escrow in the amount of {$170.00}. Our escrow balance has been reduced monthly by this amount, ( in addition to payments for homeowners insurance and property taxes ). In XX/XX/XXXX, XXXX reduced our escrow account by an additional {$4300.00}, showing it was to pay PMI. My wife called the company to inquire about this and the rep seemed unable to explain the issue, then finally stated the PMI payments they were making had been sent back to them so they had to pay two years of PMI all at once. We have not even been with this company for two years. My wife asked if all the payments they showed to escrow in the amount of {$170.00} were sent back to them why was the escrow account not credited in that amount. If they were collecting that money as part of our monthly payment and it was not received by the Private Mortgage Insurance Company, where did the money go? The representatives she spoke with were very evasive and were not able to answer her questions. They advised they would get back with her and no one has yet to contact us to explain this. Today, we received notice that our monthly payment was going up {$200.00} due to an anticipated shortage in our escrow. This shortage is due to their withdrawal from our escrow for the {$4300.00} that no one from the company can explain to us and their own accounting does not support. I called XXXX again to inquire about this issue and the customer service rep could not explain the discrepancy.
10/15/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60631	Web
This complaint is related to the second mortgage on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. I had attempted to get a modification and was denied by both of mortgage companies. I have since fallen behind on my mortgage payments. I hired a real estate agent who was able to short sale the property. We are currently under contact and do have an approval from the first mortgage company who is requesting we close on or by XX/XX/XXXX. This short sale package was submitted to XXXX on XX/XX/XXXX with the final approval letter sent to them on XX/XX/XXXX. To date, neither my agent, my attorney nor myself have received any information from XXXX even after REPEATED phone calls and emails. I was told by " XXXX '' that my XXXX was XXXX XXXX, but that she is currently on vacation, so we left messages with her supervisor XXXX XXXX. I called back on XX/XX/XXXX and was told by XXXX XXXX that she is not on vacation but new to the company and does n't have access to the " system? '' He also stated XXXX has no record of receiving my short sale packet, however my real estate agent has the fax confirmation that all documents were sent and received. I truly believe XXXX has been purposefully trying to stop the short sale by first ignoring us, and now by lying. If you could please let me know what my options are or how I can proceed so that XXXX does not prevent the short sale from occurring, I would be unbelievably grateful. If you need more documents than what I can upload, please let me know and I can fax or email them to you.
01/12/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CO 80922	Web
My loan was transferred from XXXX to XXXX XXXX ( with out my being notified ) sometime around XXXX XXXX. I went to pay my payment in XXXX with XXXX and it showed my loan had been paid off. When I contacted XXXX they said it was sold to XXXX and that they had sent me a notice ( which they did not ). I then called XXXX and they said they could not find my loan. I was on the phone for over 2 hours with them trying to find my loan. They finally were able to give me a loan number and told me to pay the payment online. When I went online and made the payment I noticed they did not have my insurance information which I had given to them previously. I called back and gave them the homeowners information again. I was then sent a notice by my Home Owners Insurance Company stating my insurance was going to be cancelled due to non payment. I called XXXX XXXX again and was on hold again ... I finally spoke with a Manager XXXX XXXX and was told the check would be mailed out immediately. Today I had to pay the Home Owners Insurance myself out of my pocket as the check has still not been sent. I also went online again today and the Home Owners Insurance is still not listed. The loan was transferred without my notification and the transfer has now cost me over {$1500.00} due to my having to pay the Home Owners Insurance Policy myself. I received the Welcome Package on the XX/XX/XXXX ( I have included the package although it is dated the XX/XX/XXXX) ... I also received an escrow analysis from XXXX on the XX/XX/XXXX ... it is also dated the XX/XX/XXXX.
05/19/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	IA 50310	Web	Servicemember
Dealing with this company has been utterly ridiculous. They've had my account since XX/XX/XXXX, yet I still can't view my account details online nor make a payment online. " Due to the status of your loan, please contact us directly to discuss available payment options and verify amounts due. '' My XX/XX/XXXX payment date came and went because they wouldn't allow me to make a payment due to their 'auditing ' of my new account. Finally on XX/XX/XXXX I was allowed to make what should have been my XX/XX/XXXX payment ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} ... but, they applied it incorrectly to XX/XX/XXXX. I had already made my XX/XX/XXXX payment to my prior servicer. So, I rounded up the documentation and submitted that to them approximately 2 weeks ago. They still haven't resolved that issue. In the meantime, my XX/XX/XXXX payment is now due. I called on XX/XX/XXXX and spoke with Rep ID XXXX, XXXX, and she told me they can't accept a payment at this time. I asked her why not because they already accepted that previous payment from me. She said my account was still being audited. It's been 2 full months now since XXXX has had my account and they still haven't resolved my misapplied payment nor will they allow me to make my XX/XX/XXXX payment. What terrifies me now is they are going to end up reporting incorrect information to the credit bureaus. Calling XXXX is a complete waste of time. Every rep you speak with seems to know very little about the process and they offer no solutions.
04/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 146XX	Web
I had a mortgage with XXXX, they purchased my mortgage from another lender. My taxes were never included in my mortgage. XX/XX/XXXX I fell behind a couple of payments, My mortgage payments were XXXX per month. In XX/XX/XXXX and XX/XX/XXXX I sent double payments to catch up. Citimortgage at this time paid some property taxes on my mortgage. Then they took the payments that I sent them for mortgage payments and applied them to taxes they had paid. They said my mortgage payments were now XXXX because they had paid the taxes and I was four months behind on my mortgage because the XXXX payments were not enough to cover the mortgage. I told them that if they were going to escrow taxes that it had to be a change in contractual items not just because they wanted to. Also that it was fraudulent to take payments sent for mortgage payments and apply the to some thing that was not included in the contractual mortgage. I never stooped making payments. I started sending XXXX to cover the XXXX they were paying on my property taxes. I did this because I did not want to get behind on paying my mortgage and the taxes they were paying. I filed a claim with the attorney generals office of New York state. XXXX then sold my mortgage to BSI Financial Service XX/XX/XXXX who I shared this information with who the started saying that I was four months b ehind on my mortgage also. Now BSI is Stating that I need to pay XXXX a month projected increase in property taxes, even though the value assessed by the city and county has decreased.
07/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 088XX	Web
My mortgage was transferred from XXXX XXXX to BSI Financial Services XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX to avoid foreclosure ( Ch-XXXX ). My mortgage at XXXX XXXX was modified XX/XX/XXXX and the new mortgage amount added all fees and back accrued interest. This modification was confirmed by the United States Bankruptcy Court. When XXXX XXXX sold the loan to BSI Financial, BSI had it classified as a delinquent loan in Bankruptcy even though the loan was modified and current. All monthly payment are made on time and current. I spoke to XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from BSI and everyone refused to speak to me about my loan. I do n't receive statements or monthly coupons from BSI. The only letter I received from them was a Notice of Servicing Transfer. I was informed by my Home Owner Insurance Company my policy was terminated due to non-payment even though the mortgage is escrowed. My attorney spoke to BSI in XX/XX/XXXX and faxed the necessary documents on XX/XX/XXXX to allow BSI to speak to me and update their files. I have left 3 voice mails to XXXX XXXX ( he is assigned to my loan ) without any return phone calls. Without monthly statements I do n't know if my Home Owner insurance is current or if they have been paying my real estate taxes. I started doing research on BSI Financial and see they have a history of consumer complaints. I thought it best to file a complaint since my efforts and my attorney 's efforts have been ineffective.
07/31/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33175	Web
In retaliation for filling complaint no. XXXX, XXXX- XXXX has denied the loss mitigation request. On XX/XX/2018, the servicer requested additional documents. On XX/XX/2018, the servicer sent notice acknowledging receipt of complete application. On XX/XX/2018, XXXX denies the mortgage assistance request. I have attached herein copy of fax transmittal that proves that the loss mitigation application was received by XXXX on XX/XX/2018, therefore it would have been impossible for XXXX to have acquired a complete package on XX/XX/2018, and send to investor for approval. The documents provided by XXXX proves that they denied the application before the application was actually received. This proves XXXX no good intentions and neither did they review the package for mortgage assistance. This is a question for the Consumer Financial Protection Bureau analyst. Does it make any sense to have a denial letter before you actually send the application, the proof is very clear and convincing. XXXX has denied the mortgage assistance request before the application was even received and has provided deceiving excuses. XXXX signed an agreement with Treasury and therefore must abide by all Treasury Rules and its directives. On XX/XX/2018, all XXXX XXXX servicer 's particpate on the flex standard loan modification. We meet the Eligibility and therefore request a trial plan asap. XXXX has engaged in deceiving practices in connection with the mortgage assistance request. Sanctions are appropriate.
03/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33935	Web
Applied for a loan modification back in XX/XX/XXXX, loan representive at the time was XXXX XXXX. I was told by XXXX XXXX back in XX/XX/XXXX that the loan modification was approved and that I would be receiving a package by fed ex to go over the terms. At that time I ask XXXX XXXX about the late payments he stated as long as I am under review for a modification the late payments is not a issue. Here it is XX/XX/XXXX never received the fed ex package with the so call terms. I 've been calling since XX/XX/XXXX trying to get an answer and I have n't as of yet ( XX/XX/XXXX ). This really bothers me been that foreclosure is very high in Florida. I need to know the status of this loan if I qualify for the modification or not. My plans are to keep this home but I definitely do n't want to get so far behind where I see there is no way to catch up. This loan was bought from XXXX back in XX/XX/XXXX, I actually was under a loan modification review with XXXX when this loan was transferred. BSI Financial Service has been giving me the run arounds since day XXXX, now I 'm told by XXXX XXXX that the representive I had XXXX XXXX is no longer with the company and that she ( XXXX XXXX ) will be my representive, not to my surprise XXXX XXXX states she can not find the loan modification package that was sent to my previous representive XXXX XXXX. To me another stall tactic to get my payments further behind so that BSI can put me in foreclosure. I need answer from BSI Financial Services ASAP ... ...
03/21/2017	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	WA 986XX	Web	Older American
My loan was turned over for servicing to BSI about a year and a half ago and have nothing but problems. First I have always been able to pay my mortgage loan using my bank bill pay for overnight processing which I found out BSI does not have so an actual check needs to be sent so now I have to guess at what amount I should pay since I do n't get their statement until after the time when I need to do the bill pay to get it their by the due date. I have also been trying to get information from customer service regarding when the interest only will end as I believe it will be this year. I called a couple of months ago and the customer service agent said that it would have normally ended in XX/XX/XXXX but that these loans have been extended to XX/XX/XXXX now. Last week I received a letter stating that my interest only ends in XX/XX/XXXX and my statement will most likely increase as is will contain both principal and interest and will be shown on my statement. I still have not received my XX/XX/XXXX statement, I have called 3 times to talk to them about what the actual payment will be and what the interest rate will be. They are not able to help me and have left messages each time to ask to speak to my account rep. Seems he is always busy and I leave messages but still no call back. This is the worse loan servicing company and their customer service agents are useless unless you only want someone to answer the call in person. I agree maybe a class action suit would wake them up!
05/01/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	PA 183XX	Web
I was noticed by BSI Finanical in XXXX , TX that I was late in my mortgage payments in XXXX XXXX . BSI Financial h as informed me that my loan servicing was transferred to them by my mortgage company, XXXX in XXXX XXXX . I did not receive any mortgage servicing disclosure from XXXX informing me of the change and all of my payments was sent to them as instructed since the purchase of my home in XXXX XXXX . My payments ( {$1800.00} monthly, and sometimes {$920.00} bi-weekly as part of the payment reduction pla n ) wer e sent from my bank, XXXX XXXX XXXX and in XXXX were being returned to me by the sender, XXXX . Since I was unaware of the loan servicing changes and my payments were being held and then returned by XXXX in XXXX XXXX , BSI Finanical has noted my mortgage as late and notified the credit bureau for not receiving my mortgage payments and assessed a late fee. After being notifie d by BSI Finanical i n XXXX XXXX that my payments were late, I contacted my bank to cancel any additional checks that were not cashed by XXXX on XXXX XXXX , XXXX so that I can submit my payments t o BSI Financial. B SI nor XXXX has not sent me any documentation informing me of the changes. I had expressed my concerns with XXXX and BSI FInancial. XXXX had informed me that an account statement would be sent me because BSI Financial only have my records from the date of transfer XXXX XXXX . I had not received any account statement from XXXX .
08/16/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	UT 84604	Web
The mortgage was originated back in XXXX of XXXX with XXXX XXXX and later acquired by XXXX XXXX. The note reads " FIXED RATE MORTGAGE NOTE ' Pick-A-Payment Loan ''. In XXXX I was forced to file Chapter XXXX bankruptcy, due to some Real Estate investments that went bad. The BK plan was for me to pay my mortgage payment to XXXX XXXX directly each month, while also paying the trustee {$960.00} each month as well. I did this for the whole 60 month term, and was discharged in XXXX of this year, XXXX. That same month XXXX XXXX transferred the note and servicing to BSI Financial. I have been trying to reconcile with BSI ever since, and just yesterday they gave up and explained to me that they could not explain their records. They sent me a copy of the note and what they are calling the mortgage history from XXXX XXXX, which is not decipherable. The agents final comment was " this is all we can do ''. This is why I am coming to CFPB for help. Some of the issues I am trying to resolve with XXXX and BSI are : Inaccurate accounting on the part of XXXX XXXX regarding claims for delinquent payments that I can document as paid Changing the mortgage payment before the anniversary date as outlined in the note ; a clear violation of the terms of the note Erroneous principal balance, overdue payments and deferred payment data from BSI that they cant explain * Nothing but confusing records and mortgage history ledger which cant be understood or explained by the servicing companies
12/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89145	Web
Our Mortgage Company XXXX tried to foreclose on our home. We were in Chapter XXXX and they went to the court and said we were not paying our mortgage and it left us unprotected and this predatory lender to then initiate foreclosure. However we paid them every month. And we proved our payments to them were cashed. After paying a huge sum of money over {$14000.00} to save our home ( that we are still disputing ) they have written us back with made up accounting and made up letters they said they sent us. You see in Chapter XXXX they are not allowed to send you letters. So we know they falsified the letters. They would have gone to our attorney and the attorney has gotten no such letter. In one conversation they said they couldn't find us. Yet after that letters addressed to us appeared. I am attaching a letter that details everything. We also have had two forensic accountants that went over everything and said their, XXXX, numbers are wrong. We are missing escrow money {$10000.00} plus and they said they paid our taxes when in fact we paid them all except one time. They paid the taxes which we sent the tax money in as well but the state kept theirs. I can provide the accountants spreadsheet if needed. I am really hoping you can help as it put so much stress on my husband and I that his XXXX XXXX has grown since his last visit. Thank God I had retirement to borrow against in the meantime but I want my money back. I want XXXX to right their wrong. Thank you
08/09/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28208	Web
BSI has failed to apply payments to the outstanding loan obligation pursuant to the provisions of Uniform Covenant 2 of the Deed of Trust, and the Periodic Payment Rules of Regulation X, which provide that payments must be applied in the following mandatory priority order of application : 1. Principal ; 2. Interest ; 3. Escrow ; 4. Late Fees ; 5. Other Charges or Advances approved by Applicable Law ; and 6. To Reduce the Outstanding Principal Balance. Additionally, BSI has seriously mishandled the escrow account in this matter. Courts have recognized mortgage servicers breach of fiduciary duty in escrow mismanagement. The overarching errors are : A. Failure to board the current, newly modified loan and escrow balance properly in XX/XX/XXXX, leading to an inaccurate XX/XX/XXXX escrow analysis & resulting dramatic increase in monthly PITI payments and late fees and improperly reflecting account was in default and filing foreclosure. B. Collection of insurance escrow from XX/XX/XXXX through XX/XX/XXXX yet failing to disburse those funds for borrower 's annual XX/XX/XXXX insurance premium, forcing her to pay it herself. C. Failure to properly investigate and respond to borrower 's notices of errors and attempts to resolve this matter with BSI. Please see attached Notice of Servicing Error for specific details regarding the errors and failure to timely investigate and correct. To date BSI has not provided a response to the XX/XX/XXXX Notice of Servicing Error.
08/22/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 08094	Web
BSI Financial is the service company for my mortgage ; it was sold by XXXX to XXXX XXXX because I was XXXX and needed a modification. XXXX sold it to BSI Financial. After BSI did the modification they said I had no esgrow and I needed to pay extra to build it up ; which a did for a year and a half to put extra into my esgrow. one year later BSI is saying I have no esgrow again. I asked them how is that possible and where is the extra I paid already. They told me basically because they said so ... I asked for a detailed report showing me what was going on with my esgrow. They sent me a incomplete print out which showed some other errors. I asked my bank if the would help me since they are always offering financial planning services ; which they did. They saw that the mod looks like I was charged extra. there was no credits listed for my homeowners rebate. They felt that it proves that they never put the extra I paid into the esgrow account. At the end of this it says my budget is off by {$2.00} and they said it does n't warrant asking for {$1500.00}. and the original bill asking for esgrow shows that the planed and actual that the extra I paid was never added to the account also. I have spoken with BSI Financial 4 times about these errors and asked for a aduit of my account and a detailed report showing everything in order to correct these errors. It appears that they are n't taking this seriously. Please intervene to help get this matter fixed.
07/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33904	Web	Older American
When the property went underwater, a loan mod by XXXX was declined. Foreclosure followed. After years the lawsuit was settled. the consent agreement is attached, paragraph XXXX states : XXXX. Plaintiff and all of its agents and assignees agrees to waive and release Defendants from any and all actions, causes of action, suits, claims, demands, liabilities, obligations, damages, trespasses, whatsoever, known or unknown, express or implied, vested or inchoate, at law or in equity ( hereinafter " Claims '' ), from the beginning of time up to and including the date of this Agreement. This release only relates to the loan that is the subject of the instant foreclosure action. Nevertheless XXXX filled negative reports to the Credit Report Agencies, harming my score. After the consent settlement XXXX sold the note to a Trust, see attached Motion to change lawyer. BSI Financial Services is the servicer for the trust. Neither XXXX nor BSI informed me about the transfer of the note as required under TILA, FDCPA and FL STAT XXXX. In a Motion to cancel the foreclosure sale ( attached ) BSI states they send a letter regarding Loan Mod, as of today we have not received this letter. Furthermore BSI reports to the Credit Report Agencies that we are in foreclosure on the same note. Threw this reporting my credit was heavily damaged, now I am unable to get a new loan do to the low credit score. Nevertheless it is a violation of the consent agreement too.
02/09/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75056	Web
Hello This compliant is against my current loan servicer XXXX XXXX XXXX. I always make my mortgage payment on time but there has been times that my payment didn't go thru and XXXX XXXX would ding me for non sufficient funds fee of {$30.00} when I called them to investigate what the issue is since I had more then enough fund in my checking account at the time. After they looked into it they told me that I had missed a digit in my account number so my payment didn't go thru. So my question to them is why didn't he online system just reject my payment right there and then so I could have gone back and entered the correct account number? there answer was even if I entered the wrong info I would still get a payment confirmation which didn't make any sense to me so I asked for a manager who was not available. After numerous calls I finally got a manager on the phone and he was just rude and arrogant told me that's how there system works. I asked why am I being charged with non sufficient funds fees he said that what happens when you enter the wrong account number. A simple human error I made and they are not willing to work with me or even waive the fees knowing it was a error and nothing to do with non sufficient funds. I don't know how many people are dealing with this type of issue but im sure im not the only one based on all the XXXX reviews I have read. The company has a 1 star rating due to there unethical ways of doing business.
07/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 902XX	Web	Older American
BSI Financial Services assume my home mortgage on XXXX XXXX from XXXX and held it until XXXX XXXX when they have transferred it to XXXX. I recently discovered that BSI debated my escrow account with BSI about {$2200.00}, on top of the money requires for paying the property tax. Upon my inquiry BSI informed me that it placed force property insurance on my property. My property at that time, always, and as of this time, was and is insured through the Home Owners Association. This information was provided to BSI by XXXX with the transferred mortgage papers. In addition, per BSI request, I had the insurance company, XXXX XXXX XXXX XXXX, providing BSI directly with CERTIFICATE OF PROPERTY INSURANCE. I have verified that the proof of insurance was sent by the insurance company and was received by BSI. BSI never informed me that they intend to charge me with any insurance. BSI 's monthly statement never showed such a deduction. BSI have not changed my billing to show any additional charges let alone insurance charges. They kept charging my escrow account keeping this information hidden from me on your BSI internal books never notifying me or alerting me in any way. Never asking me for a payment to cover the ever increasing negative balance in the escrow account. I have attempted to resolve this problem with BSI to no avail. I need BSI to return the money, {$2200.00}, they have improperly taken out of my escrow account.
05/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 190XX	Web
I continue to have loan servicing problems with my mortgage company, BSI Financial Services. While my mortgages were originally refinanced with XXXX Mortgage, they were sold to BSI Financial in 2013. For almost XXXX years, I have spent countless hours on the phone with BSI Financial regarding loan payments not being processed/deposited when received, payments not being properly credited to my accounts, calls regarding late payments and late fees being applied, and insurance bills being unpaid. The latter was my most recent situation with BSI. Specifically, I received a letter from my property insurance company indicating that correspondence was returned by the post office. When I contacted BSI regarding this matter, they indicated that the insurance address had change, although neither I nor my insurance company were informed about this change. They asked that I have the insurance company contact them for the correct mailing information ; however, I demanded the information and called my insurance company to update their records. I also email a copy of the bill to their Customer Care office to expedite payment ( and included a copy of my real estate tax bill as well given a lack of confidence that they have paid this bill on-time ). While BSI Financial Services is quite adept at collecting debts from others, they are woefully inattentive to the debts associated with the mortgages for which they are responsible.
08/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95126	Web
XXXX XXXX Mortgage bought our mortgage from it 's own subsidiary, BSI Financial Services, which was the original lender, in late XXXX or early XXXX. Since the " change '' of the mortgage ownership, we keep getting letters from XXXX XXXX Mortgage trying to a ) create an escrow account for our property insurance -- in early XXXX, and b ) telling us that they need information about our insurance to be updated. In the first instance, we contacted them and were told that it was clarified that we did not put the insurance in escrow since we pay it separately. They never sent us a confirmation-this was in XXXX. The number that I called was a collection number even though we have never been in default. In the next instance, I contacted their website at www.imcovered.com/commercehomemortgage, where they were trying to sell me an insurance policy. I am very concerned that XXXX is trying to force me to pay my insurance fees through them, or force me to buy insurance from them, with thinly veiled threats that I will be defaulting on my mortgage if I do n't comply. I have already spent over 10 hours trying to reach these people to ensure that my account is not jeopardized and my credit is not harmed. Everytime I call them I get a different person who then gives me a different phone number to call. I also find this link at XXXX where the list of allegations against BSI sound similar to my experiences with them.
03/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33647	Web
The lender advised on XX/XX/2017 By XXXX XXXX XXXX - opt XXXX - the clients file was approved for a loan modification : approval terms of In-house mod are as follows : Total loan amount is {$780000.00} -interest barring balance is {$540000.00} -deferred balance ( balloon note ) {$240000.00} -I/R is now 4.85 % and was 6.125 % XXXX month term - 40 years P & I pmt amount is {$2500.00} 1st pmt due XX/XX/2017 - this loan is on a service transfer list and will be transferred XX/XX/2017 - approval of terms are needed by the lender prior to the service transfer to ensure the new servicer honors the terms set forth. Since XX/XX/2017 I have been unable to get a response from the rep about the approved mod terms being mailed to the client. 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 we have left voice mails for XXXX and also reached out to the opposing counsel regarding the approved terms, opposing counsel also reached out to XXXX and was advised that the approved docs would be sent to the client and to opposing counsel. To date the lender refuses to speak with the client to take a payment. The clients loan was on a scheduled transfer of servicer list and we were told the approved terms would transfer to the new servicer. We do not feel confident in the information provided by the lender and the lack of communication from the assigned rep is unacceptable.
06/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 14094	Web
BSi financial one again has done an incorrect escrow analysis that has raised my mortgage payment by XXXX dollars I sent them a qualified written request with a copy of my tax bills and insurance. I also called them and explained the mistake but after 2 months they have not yet corrected this. They have called me several times and I have explained this several times to several different BSI employees each time they have promised to fix this problem yet they continue to call me and send me outrageous bills.I have been sending my regular payment in each month but they are not applied to my balance.this is the same problem we had last year and it was not fixed until we filed a complaint with the consumer financial protection bureau. This is a simple and obvious problem and at this point I feel I am being harassed by this company to the point that I am considering refinancing with a different company. I am also concerned about what they have put on my credit report. I have had this mortgage for 3 years other problems I have had with them my homeowners insurance was not paid on time and my taxes were not paid on time but they fixed these promptly after I notified them. Bottom line is this company has been a nightmare I ca n't imagine dealing with this company for 27 more years they should be finned for this kind of incompetence they should pay my closing costs for a mortgage with a reputable company.
10/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98409	Web
We were working on a short sale and the lender XXXX service release the loan to BSI. What the investors at BSI is wanting is illegal, and is trying to force the homeowner into a deed in lieu. This is why XXXX XXXX XXXX now has a class action suit against them. Per regulations when a loan is service released with a VALID approval the new servicer is to honor the terms. The short sale was approved on XXXX XXXX, 2016 with a closing date of XXXX XXXX. On XXXX XXXX, the approval was extended good through XXXX XXXX. The loan was transferred to BSI on XXXX XXXX ( per attached letter ). With that said, the approval was indeed valid at the time of the transfer and we would have closed by XXXX XXXX if BSI had promptly honored the terms as they are supposed to. BSI has been jerking me around for the past month and a half. I was originally working with an XXXX XXXX and he confirmed that BSI would honor the previous terms of approval and that we could expect an approval letter within in a day or so. Everything seemed fine until one day you were suddenly assigned to a XXXX XXXX and then started stating the investor will not allow a short sale and wants to do a deed in lieu. I will also be contacting BSI upper management/ombudsman to seek resolution on this matter in addition to filing a complaint with the XXXX. Thank you Kindly, XXXX XXXX Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX
12/28/2017	Yes	Mortgage VA mortgage	Trouble during payment process	CA XXXXX	Web	Older American, Servicemember
I have had a XXXX home loan for some years, always current, I just got an unsolicited notice to pay to this new company XXXX XXXX thousands of $ i do not know them and have never been late have no idea who they are. I spoke to a supervisor who says i should send a certified check for $ thousands of dollars to the XXXX, XXXX XXXX in India, at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX India XXXX His company XXXX XXXX has taken over US Gov't loans from his company in the USA in both XXXX XXXX XXXX, XXXX, TX XXXX or to XXXX XXXX c/o XXXX XXXX at XXXX XXXX XXXX XXXX, PA XXXX this all is very weird and full of fraud, misrepresentation, thefts of US funds XXXX as a 100 % XXXX Veteran i find this entire scam very seriousness abusing we the Veterans and the US Gov't it is fraud and theft. I spoke to XXXX alleged staff members who admitted they have offices in the USA but are really headquartered in India where the XXXX conducts all there XXXX XXXX on US Loans. XXXX managers lied several times about this saying send the money? i do not know them they said they are the new company servicing my XXXX loan but i know nothing of this nor would they send me any records, documents etc..Mr XXXX XXXX and his assistance XXXX XXXX XXXX XXXX both got caught lying and even said the XXXX is in India and not really in the USA then they told me NOT to report them to the FBI, VA or CFPB
10/06/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92129	Web	Servicemember
Our XXXX XXXX XXXX loan was purchased by BSI Financial well over 2 years ago while we were in the process of trying to modify our loan. Since then, our family has gone through hardships that make it impossible for us to make our loan payments due to my health issues and inability to maintain full time employment. We have filed for bankruptcy and are no longer in the financial position to keep our home. In the process of trying to rebuild our lives and repair our credit we have been attempting to short sale our home for almost one year. We have presented over XXXX solid offers to BSI financial, of which none have been acceptable to the " investors ''. Our interactions with BSI financial representative, XXXX XXXX of the Maryland office have been highly unprofessional, demeaning, and disrespectful. Our full loan balance excluding fees is {$500000.00}. We have currently ( as of XXXX/XXXX/2015 ) presented a cash offer for review for {$540000.00}. In our last contact with BSI representative XXXX, he stated that only full loan value offers would be accepted by BSI. This process has been highly frustrating to say the least and I feel that it has been the intention all along for BSI to force us into foreclosure. To further add insult to injury, my husband recently lost his XXXX job and is XXXX with the military. We have not received a response from BSI.
04/23/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA 92307	Web	Older American
We have owned our home for 32 years since XXXX. In XXXX we applied for a Modification loan the terms to our understanding was to be for the remaining terms of the loan ( 20 years ) which would have the loan paid in full XXXX. As with many loans our loan has been sold many, many times. Apparently along the way I was taken off the loan which we did not do with all the servicing companies that have service our loan they state I'm not on title according to their record and every time we call the servicer ( s ) my spouse must give permission to whoever is servicing our loan to speak to me, we have told them many times I was never taken off the loan. We checked with the title company they are showing the Deed of Trust and Note XXXX no modification filed. In one of the correspondence from XXXX they state that our loan has not been modified ( XXXX XXXX ) according to their records ( see attached ). XX/XX/XXXX XXXX sent us a payoff quote we did not request a payoff quote. After numerous time requesting from servicers to send a copy of the Modification agreement they only send the Deed of Trust and Note ( XXXX ). We've requested from the last servicer who is now XXXX to send the information on the modification as of yet they have only sent Deed of Trust and Note ( XXXX ) We are now seniors and we desperately need resolved this matter. Thank You,
03/23/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 080XX	Web
this is a follow up to this complaint XXXX we were never given the option to modify this loan. we were steered into a deed in lieu then were told that they would do a short sale and take care of all the liens on the property. they knew about the liens since XXXX of XXXX since that was when the initial title report was pulled. we were run around in circles and provided a short sale approval with XXXX liens. we assumed that the lender took care of this but to our dismay it was not. then we were told that once it got under contract that then the lender would work the liens out. i have correspondence going back to XX/XX/XXXX trying to work this out. if we could have modified this loan we would never have moved out but we were never given that option. we were told by the previous rep that it was all go ahead for the deed in lieu and we would be obtaining a deed in lieu. the current rep stated the the house was schedule to go to sheriffs sale on XX/XX/XXXX. we have n't had any correspondence with the lender since the buyer of the property withdrew. i dont understand how they could provide us a short sale approval with {$XXXX} in liens against the property when they knew for well over 8 months that liens were on the property and they stated they would work on them to get approval then turn around and say you cant get a deed in lieu due to liens.
03/03/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33401	Web
We have been trying to work on a modification through BSI for XXXX XXXX since XX/XX/XXXX. The servicer stated they sent missing documents letters and set a foreclosure for XX/XX/XXXX which our firm was able to get postponed and we resubmitted for modification. I spoke with the assigned agent today, XXXX XXXX, who stated that the borrower is not entitled to a modification review and that they sent a denial for missing documents on XX/XX/XXXX when in fact I received a complete application letter on XX/XX/XXXX and on XX/XX/XXXX they stated the file was still under review. I called them again on XXXX/XXXX/XXXX and the assigned agent was not available so they said they could not give me an update, the only agent allowed to discuss was XXXX XXXX. I left a voicemail to which I received no response. Today, after calling twice, a customer care agent was able to reach her and she rudely stated the account was denied and that the borrower had not paid for X amount of time therefore, the denial should not be deemed " unfair ''. We want to formally file a complaint as we believe their processes to be unjust. Now, they will deny any application and the agent stated, per your guidelines, they can decline if the application is submitted within 37 days of the foreclosure, yet we have been trying to get this completed since XX/XX/XXXX.
10/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH XXXXX	Web
OWR " Qualified Written Request '' I filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy was a home loan it was reaffirmed at a lesser amount than the original amount of the note. The crammed down balance of the mortgage was not petitioned by the investor to be added to the unsecured debt and was therefore discharged at the confirmation of my plan. Ever since then the investor has asked for this money on my monthly billing statements and listed it on several payoff statements. XXXX in XXXX purchased forced place insurance and created a escrow account while this property was under a Federal Stay. XXXX also violated the Debtors confirmed bankruptcy plan by paying off a tax contract that was part of the plan and trying to collect the tax though an escrow account. This investor has now cost me time and money in in excess of the amount of the mortgage just trying to defend my self and keep my home. I am notifying XXXX XXXX XXXX that I do not owe the investor any money because of damages to my company and my credit due to false reporting. I filed a complaint one year ago XXXX and was ignored and told by XXXX we do have permission to talk to a third party meaning the CFPB. So I filed another complaint giving them permission. Now being contacted by XXXX want to collect a debt one year later REALLY. XXXX XXXX cover up
06/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA XXXXX	Web	Servicemember
My loan was transfers to BSI for XXXX XXXX. I have made several calls and even submitted a registered letter requesting that my mortgage loan be review for accuracy. I also requested payment arrangements. This started in XXXX 2016. When I called I was usually transferred to XXXX XXXX - the loss mitigation officer for my mortgage. I left several messages and sent several emails. No response. When I was finally able to get XXXX XXXX on the phone, he was less than helpful, as a matter of fact he hung up the phone on me. I requested to speak with his supervisor - he told me " no '' several times. When I advised that the payment arrangement that he suggested would still make it difficult to meet my XXXX XXXX payment on time, he did not seem to have anything " helpful '' to offer. He advised me " that it was not his job ''. After XXXX XXXX hung up the phone on me, I called back and found out the name of the supervisor, XXXX XXXX. I was advised that she would call me back after she finished her call. I am still waiting for that call. I sent an email to XXXX XXXX that included the previous communications to BSI and XXXX XXXX. I also forwarded the written communication to their customer care and XXXX XXXX, Executive Vice President, Chief Servicing Officer. I am awaiting a response. I am at risk of loosing my home. Immediat
01/23/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33406	Web
I am trying to save my home from foreclosure by applying for mortgage assistance and a loan modification. I sent my package on XX/XX/XXXX and was told it had been deemed complete and advanced to underwriting on XX/XX/XXXX with a foreclosure hold placed on XX/XX/XXXX. I was also told at this time that they are legally required to complete their review within 30 days. So I entirely expected to have this done and know whether I can save my home by XX/XX/XXXX or XX/XX/XXXX at the latest. Naturally I am concerned that the process has been delayed over a week past the legal deadline. But that is not why I am filing a complaint. I am specifically filing my complain against XXXX XXXX, the asset manager. I could understand why they might be a little bit behind, but XXXX XXXX is being deliberately non-communicative regarding the status of my modification. All I want is information -- a simple explanation of why my file is delayed and what I can do if anything in order to move my file from point A to point B. Instead I am getting ignored and even hung-up when I try to speak with him. This is not only unprofessional, it 's unethical. They are breaking the law by stalling the disclosure of my decision and I am entitled to know why, and they are doing this with utter disregard as to how this jeopardizes my home and livelihood.
08/15/2015	Yes	Mortgage Other mortgage	Credit decision / Underwriting	TX 75149	Web
XX/XX/2015To whom it concernsI applied for the HAMP application XXXX XXXX, 2015. I sent the application XXXX ways. I sent it by email to a BSI Financial Services and to their XXXX office. It was later determined that the information was not being processed and had been sitting in someone 's inbox. I resent the information on XXXX XXXX. I received a confirmation letter on XXXX XXXX that all of the information was being processed. The loan information was transferred from one representative to another on XXXX XXXX. My wife and I have been calling ever since. Here are the days that we called or correspondedXX/XX/2015 - My wife left a XXXX XXXX am - spoke with Supervisor. Verified all documents were received and that load was reassigned from one rep to anotherXX/XX/2015 - Left voicemail for repXX/XX/2015 - Left voicemail for repXX/XX/2015 - I called and left messageXX/XX/2015 - Spoke with supervisor again XXXX : everything filed on XXXX/XXXX/2015 and it take XXXX days. Normal process is XXXX days but they are backed upXX/XX/2015 - left voicemailI am just a little frustrated with the process because what normally should have happened by XXXX XXXX has spilled over into XX/XX/XXXX. I.e a XXXX day process is not has now been XXXX days and still no response whether we have been approved for the HAMP. Please helpThanks
08/06/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 913XX	Web
I have an XXXX that holds an investment property. I took a loan on this investment property in the 3rd quarter of XXXX. The original lender sold the loan and its servicing rights to XXXX XXXX. Since that moment in time, I started having issues with their online portal as well as customer service. I experienced recurring issues with late fees due to lack of proper communication and system portal issues. I called customer service on XX/XX/XXXX to remove a late charge that they imposed on me. I made the loan payment plus the late charge. They cancelled my payment in order to clear the late charge but then they told me that I never made another payment. It feels like words are lost in translation and either I don't understand what they want or perhaps they don't understand what they want. I kept telling them that I need my late fees removed when suddenly i am getting additional late fees imposed on me. I asked to speak to a supervisor and they transferred me to a lady by the name XXXX XXXX. She did not want to help and was pretty rude over the phone. All in all, I feel that this lender is supposed to provide proper loan servicing services but instead they treat customers like they are trash. It is a very unpleasant experience. I look forward to refinance my loan asap just to avoid dealing with this company.
07/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20817	Web
My mortgage was with XXXX. In an letter dated XX/XX/2019, XXXX undertook an escrow analysis and indicated that my new mortgage payment would be {$3800.00} starting XX/XX/2019. In XXXX of 2019, BSI Financial purchased the loan from XXXX. I made timely payments to BSI Financial and in XXXX of 2019 pursuant to the letter form XXXX began payments of {$3800.00}. BSI has refused to recognize these as payments in full and claims I owe {$400.00} per month more. BSI claims that the new lower payment of {$3800.00} will begin in XXXX of 2019 with no explanation of why the Roundpoint letter/date was invalid. I have filed 2 requests on-line with BSI to investigate this matter and have received no response. As follow up to a call from BSI, I emailed BSI the XXXX letter indicating the new payment amount ( {$3800.00} ) and that that payment began XX/XX/2019. I received no response. BSI has called me 3 times and in each case I have asked for a response in writing. I have received nothing from them in response. In a recent call BSI suggested that I make payments of approximately {$800.00} to them now that they would refund in XXXX. I noted for them that this sounded like a scheme and I would not be making the payments and accept a refund unless they proposed that to me in writing. To date I have received no response.
01/16/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21244	Web
Good afternoon, As of today, I am a little over {$10000.00} in the arrears. My loan was sold to XXXX XXXX XXXX and I was not contacted. I did a modification with XXXX XXXX ( former lender ) in XX/XX/2018. I made all payments according to our agreement. Once I made the last payment, I waited for correspondence from them giving me my new mortgage payment and date to start paying it ... .it never came. The following month I went online to pay, it stated congratulations your loan is paid in full. And once I went into my account, it showed a CREDIT in the amount of my last payment. It wasnt until a few months later ( with no notification from XXXX XXXX ) that I realized my loan had been transferred to XXXX XXXX XXXX. And they will not allow me to catch up. They keep stating that they have started paper work for foreclosure and will not accept any money from me unless I pay arrears in full. As each month goes past, the amount gets larger and my income is limited, so I dont have anything saved. I even asked if I could pay a bigger mortgage payment each month until arrears are caught up and the answer is NO. MeanwhIle, XXXX has never called me once to collect payment or tell me I was sold to them and no email from them either. XXXX XXXX has all of my demographics and they havent changed in years.
06/19/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL 331XX	Web
XXXX # XXXX Name XXXX XXXX XXXX. I had a loan modification with XXXX XXXX. AT the time XXXX XXXX was collecting escrow for real estate taxes and Insurance. After the modification was approved the loan was sold to XXXX XXXX XXXX and I is currently being serviced by XXXX XXXX. I have 3 main issues ( besides the fact that their customer service is terrible and I can never get a straight answer from anyone I speak to ) 1. Where is the money that XXXX XXXX collected for escrow ( insurance and taxes )? It has not been applied to my loan ( or reimbursed to me ) and I paid the insurance and taxes for XXXX and the XXXX taxes have not been paid ( I paid the XXXX insurance ) 2. XXXX agreed to waive my insurance escrow ( since I paid the insurance ) and they were suppose to reduce the escrow for the insurance from my monthly payment ( they did it for one month and then charged me escrow the next ). Now I paid the Insurance and they are still collecting escrow for both insurance and taxes. 3. I signed up for their electronic payment and they charged me two mortgage payments in one month ( even though I was not behind ) then had the audacity to charge me late fees. I finally got it resolved ( through multiple letters and phone calls ) but now they charge me different amounts every month.
07/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34953	Web	Older American, Servicemember
In XX/XX/XXXX, I applied for the HAMP with XXXX Bank. XXXX month into the " Trial Period '', my loan was sold to BSI Financial, which has been a nightmare from the start. My HAMP paperwork clearly states " The terms of your Trial Period Plan and your Modification Agreement will REQUIRE us to establish an Escrow Account if your loan does not already have one, and to set aside a portion of your new monthly payment in this escrow account for payment of PROPERTY TAXES, INSURANCE PREMIUMS and other required charges as they become due. I filed a complaint back in XXXX, after BSI stopped escrowing my Homeowners Insurance. Reference Complaint # XXXX. On XX/XX/XXXX BSI responded. Per BSI ( our records indicate that the REQUIRED Homeowners Insurance Escrow issue was corrected. This was an error and BSI apologizes for any distress this may have caused. ) Today when I went on my BSI website, I saw that it was no longer being escrowed. I called BSI Financial and was told that " they were no longer tracking my escrow and that Homeowners Insurance was to be paid by me. '' This is clearly not what my modification states. When I reach out to the HAMP website, it clearly states that Property taxes and Homeowners Insurance must be escrowed. I thought this was resolved back in XXXX!!
06/16/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30144	Web
XX/XX/XXXX - XX/XX/XXXX - BSI tried to foreclose on my loan after they refused to give me a loan modification. After the foreclosure failed, they attempted to force me into a Short Sale. I refused the Short Sale and asked for a reinstatement of the loan. I had all of the back payments because BSI refused to accept my payments from XX/XX/XXXX - XX/XX/XXXX . XX/XX/XXXX - I was sent a re-reinstatement letter and breakdown of the fees associated with the full reinstatement of the loan. I was sent a confirmation that all fees have been identified and listed. XX/XX/XXXX - Paid the reinstatement amount {$13000.00}. XX/XX/XXXX - Paid first payment after reinstatement. Noticed late fees in the amount of {$680.00}. Asked for an explanation of the late fees since I had just paid all fees up to date in the reinstatement agreement. Have yet to get a reply of why there are fees. I have continued to make the payments without the late fees to keep my loan paid on time. I 'm looking for a resolve to this matter to explain why the charges exist? That they be removed? That the negative reporting to the credit bureau be removed because my loan was late due to the process of the loan modification, short sale and subsequent reinstatement of the loan.
08/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 074XX	Web
my loan was sold to bsi financial co last XXXX 2015 .they up my mortage payment by XXXX $ monthly.i contacted them as I have a payment history as well as an escrow history showing from XXXX. all the updates and also showing no outstanding balance on the escrow account they even paid the home owners insurance for the following year .I contact bsi and also wrote to them .they worte back there was a shortage in the escrow acct. they did not give me accurate info .the only thing they said in the letter is that they spread the shortage over 1 year which totals XXXX $ .I am on XXXX and receive help for the state to pay my taxes they received over XXXX from state of nj to appy to my escrow to lower my taxes .now I am not recieveing my mortage evey month I had to send a letter to get a statement. I have never been late.the statement I got was for 2 months showing I did not pay XXXX payment which it is due by the XXXX I was charged a late fee and they cash my mortgage check yesterday.i am not able to go on the website or speak with anyone about my account. also my mortage is an adjustiable which adjusts next month .the new payment shows the XXXX $ extra to continue for the new year of payments.i need help to resolve this issue as my hands are tied.
04/01/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CO 80221	Web
In XXXX of XXXX my wife and I refinanced a Home Equity Line of Credit which is, in essence, our home mortgage. We went through the refinance through XXXX Bank to pay off XXXX XXXX XXXX XXXX and signed XXXX Bank 's form authorizing Payoff and Closure of this account on XXXX XXXX XXXX. I have tried repeatedly to recover the funds that were transferred to BSI Financial from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. I 've been told on several occasions ( including today, XXXX XXXX XXXX the complaint department was investigating the complaint and would have a resolution by the end of the month ( XXXX XXXX ) again, I was told the same story just today. I have a check dated XXXX XXXX, XXXX in the amount of {$240.00} which I will not cash until I receive the {$19000.00} because I wo n't cash it and have BSI say they owe me nothing more because I closed the account when cashing the check. Given the fact most checks are null and void after 90 days the check I presently have will expire on XXXX XXXX, XXXX and I will have to fight to get THAT money reimbursed as well. I 'm tired of the stonewalling and not to mention the {$30.00} maintenance fee they charged on a zero balance account that should have never been transferred to them in the first place.
08/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 497XX	Web
We have both an original & second mortgage with XXXX XXXX. Originally started XX/XX/XXXX for $ XXXX. The 2nd mortgage was placed XX/XX/XXXX bringing total to $ XXXX. It appears that the 2nd was sold several times by XXXX although we see no documents supporting this, and they may indeed still own the mortgage. We see up to 4 different collecting agencies throughout, the most recent of which appears to be BSI Financial Services. We were on a payment plan with principal only starting about XX/XX/XXXX ; the 2nd mortgage balance was {$42000.00}. The payments made has reduced the principal to {$41000.00}. On or about 8-10 months ago they demanded payment in full, which I told them I couldn't pay. They then added unknown charges, some of which we think is unpaid interest, My current balance is {$41000.00} for the principal, plus interest and " Total Fees and Other Charges '' of {$32000.00} but they are saying I owe a total of {$73000.00}. We have asked for disclosure of these {$32000.00} charges but have not received any information. Additionally, we think the 2nd mortgage may have been included in a payoff under the bank bailout programs XX/XX/XXXX-XX/XX/XXXX. We believe these new collecting agencies are double dipping on the 2nd mortgage.
02/27/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30044	Web	Servicemember
We have been attempting to modify our home for several years to no avail. I filed a complaint 6 month ago against my previous mortgage company ( XXXX ). After the complaint was filed they sold our mortgage to BSI Mortgage Company. BSI Financial Services offered us a modification that was 60K plus over the value of the property and wanted to attached a second mortgage also. If we were to undergo another hardship we would have to pay 60k plus out of pocket to sell the property. Reluctantly we could n't afford to be trapped in a mortgage that was up side down no knowing the future. After rejecting this proposal we were forced into a short sale option. We hired a agent and completed the process of submitting a contract to sell the property. BSI Financial services rejected the offer and now they are telling us that the property has a m sale date for XX/XX/2017. If we have a short sale option why is there a foreclosure date on property. We really want to keep the property but we are being forced out. Furthermore XXXX XXXX XXXX stated we would receive XXXX for relocation expenses which we would need to relocate. CFPB can you please assist us in the matter..Please & Thanks XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX Loan # XXXX
03/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85143	Web
Refer to complaint XXXX. The complaint was not resolved. The company did not correct my mortgage payment effective XXXX 2016 per their response. They admitted that they stole {$1200.00} from my escrow account to pay someone else 's taxes and that they penalized me by raising my monthly payment. They made their correction effective XXXX 2016 leaving me to pay the {$890.00} for XXXX which is {$220.00} more than was due for XXXX 2016. Their response did not address the other issues at all ... the fact that they have consistently paid my XXXX taxes late costing me late fees and interest. They did not respond to my request for a refund of the late fees and interest that they again stole from my escrow account. They also did not speak to their insulting and derogatory message " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This statement is made on every call I have made to them and also appears in their response letter. They are not attempting to collect a debt, my account is not past due, I am calling them with questions and they are not a collection agency ... they are my mortgage company. I am 100 % dissatisfied with their response and demand action.
12/22/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30024	Web	Older American
This is a second complaint against BSI Financial in the past year. Thanks to CFPB, the first XXXX was handled. It is my understanding that BSI can not hold my over payment on my escrow account hostage to a 30 day delinquent payment. Due to medical heartships, we have beening running 30 plus days late for over a year. However, we have been making our current mortgage payments. Because of a reduction of taxes, BSI is holding approximately {$2400.00} of my escrow money. When I inquired with them, I was told that if I send them the delinquent payment, they will release my escrow money. I told them that if I had the money, I would not be delinquent. I asked them if they could apply part of my escrow money to the payment and send me the rest. They refused telling me that it was not their policy. It seems to me that My money that I paid in on my escrow account is collecting interest in their holding accounts for which they have no right to do. Again, this is the second time that I have had to write your good offices to encourage BSI to take care of a financial matter. The first XXXX concerned them holding my homeowners money and not paying the insurance company. Thank you for your help in this matter.
08/08/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 28443	Web
I settled on my construction loan with XXXX XXXX XXXX in late XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX I received a letter from BSI Financial Services requesting proof of hazard insurance on my owner occupied home.This is a construction loan and property is vacant. The appropriate insurances were in place at time of settlement and these documents are in the loan file. I called BSI and was told that they do not get my loan documentation when it is transferred and that it is standard practice for BSI to call the borrower and request insurance or place forced coverage. This was told to me by XXXX XXXX Employee # XXXX. I have placed several calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been put on hold, sent to voicemail and disconnected. I am told that they will look for my loan documentation but never get a return call with status. The proper insurance overages were in place at time of settlement. I have uploaded my insurance policy to their website and gotten confirmation but they tell me they dont have it. I am concerned about their record keeping and lack of inter-company communication. As of right now I still do not have resolution
03/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 159XX	Web
I was having some problems paying my mortgage due to my husband being in an auto accident & unable to work. My mortgage was through XXXX. They sold my mortgage to BSI Financial. I was about 6 months behind in XXXX XXXX. My husband & I received a settlement from the auto accident. I took care of all of my delinquent payments plus put over {$18000.00} down on the principle. That took me through XXXX XXXX. I made my XXXX XXXX payment. On XXXX XXXX, XXXX my husband & I received several intent to forclose notices saying I was 9 months behind. I called BSI immediately & was told to disregard those notices that there is an error in the computer system but I am in fact correct I 'm current on my payments & only due for the current month. I was told that the problem could n't be changed in the computer from where this representative was located. However I was not given the information on who or where to call to have this problem resolved. The next day I received another intent to forclose letter. I called again & was told not to worry about it but it could still not be removed from their system. This has been sent to the credit burro cause our credit to have a negative mark.
07/23/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NY 11003	Web
MY LOAN WAS SOLD BY XXXX TO XXXX THAT IN TURN SOLD IT TO BSI FINANCIAL SERVICES ( ADD. IS XXXX XXXX XXXX TX. ) I BELIEVE XX/XX/2016. SINCE THIS COMPANY TOOK OVER I HAVE NOT HAD A MOMENT PEACE. I HAVE NOT FALTERED ON MY PAYMENT, BUT IT SEEMS THAT MY FUNDS ARE EITHER PLACED IN GHOSTS ACCOUNTS THEREBY LEADING TO BARAGE OF CALLS FROM THEIR REPS. I USUALLY DO NOT GET EXPLANATORY STATEMENTS LIKE MY FORMER COMPANIES, I ALWAYS HAVE TO CALL THEM EVERY MONTH TO FIND OUT ABOUT MY STATEMENT. DEPENDING ON WHOM YOU SPEAK WITH ON THEIR PHONE, YOU MAY GET DIFFERENT ANSWERS RANGING FROM " WE HAVE NOT RECIEVED YOUR PAYMENT FROM LAST MONTH ETC, AFTER MANY ARGUMENTS WITH THEM, MY SENT PAYMENT MAGICALLY APPEARS. THEY WILL PROCEED TO SEND ME ANOTHER BILL DOUBLING THE AMOUNT THAT I SUPPOSEDLY OWES. I WAS INSTRUCTED TO PAY A DIFFERENT AMOUNT FOR XX/XX/XXXX WHICH I SENT OVER WHAT WAS ASKED. MY XX/XX/XXXX PAYMENT WAS MADE ON TIME, BUT I AM STILL GETTING STATEMENTS FOR XX/XX/XXXX. ONE OF THE WORKERS BY THE NAME OF XXXX STATED MY ESCROW CHANGED AFTER MY PAYMENT WAS MADE AND THEY WERENT AWARE OF IT. NOW THIS IS VERY STRANGE TO ME. I SUSPECT SOMETHING IS DEFINITELY NOT RIGHT WITH THIS COMPANY.
02/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75035	Web
I received a notice from BSI Financials on XXXX/XXXX/2016 ( dated XXXX/XXXX/2016 ) that my loan had been transferred to them and as of XXXX/XXXX/2016 my old servicer will no longer accept payments from me. ( Note they generated letter 3 days AFTER the fact that my old servicer will not accept payments ). I also got a letter saying that I am one month behind in my payments ( which is total lie given that I have automated payments going to XXXX - old servicer ). I have called BSI 5 times and no one picks up the phone, and it finally transfers to Voice Mail. I have left 2 VMs and still there is no response. I looked at the company reviews ( XXXX ) and it seems this company has common practice of mistreating customers and misplacing customer information. I am concerned that although I have made all payments, my credit history would be impacted. And that I am now stuck with a sickest mortgage servicer who seems to be XXXX with their customers. I ask CFPB to take action to make this company respond and stop XXXX their customers. I want CFPB to review the consumer affairs link I provided too and take an action to review BSI Financials business practices.
09/21/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA XXXXX	Web	Older American, Servicemember
My Formerly VA backed home loan was apparently sold several times and most recently it is being serviced ( Very Poorly ) by XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX18 I received a demand that XXXX demanded a certain amount of money to be paid directly to them at an address in XXXX? i called over 45 times and was given the run around, after filing a complaint they finally contacted me giving me so many lying stories I could not keep up with the changing stories. As i learned XXXX has massive complaints, suit, and pending litigation for the same reasons i have complained they have changed the loan to ask for more fund and they demanded I use there insurance company, in short they are trying to defraud me and the US Banks and Government. I pay all my own homeowners Insurance as well as my property taxes all a year in advance and i have NO escrow account and they are trying to force one I have never agreed nor would i, I have demanded several times a full and complete AUIDT and LPO. I have never ever received my audit requested results, until i got a full audit I can NOT and Will not be threatened or forced to pay something i do not OWE.
07/22/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92883	Web	Older American
Again BSI failed to respond accurately to my complaint. In the XXXX attached. I specificly stated how my payment was supposed to be applied and that I was disputing the fees associated with loan and XXXX completely ignores responding to it!!! This is why there are XXXX complaints. XXXX XXXX when answering a complaint you need to address the questions. I am tired of BSI skating over DIRECT QUESTIONS, DIRECT REQUESTS and DIRECT DISPUTES,. Which now is being copied to lawyer for the failure to respond. I did not agree to how how the money XXXX was applied and it was put in writing directly how it was to be applied which was also scanned with last complaint and she decided to ignore. I have excess in my account and should have been applied to XXXX payment AS SPECIFIED!!! BSI has not mailed out monthly statements either. I get my mail and they have sent me XXXX since XXXX. XXXX I paid extra as to not have to deal with BSI for a few months with payment issues and the lack of communication from BSI and run around ANSWERS. DIRECTLY apply the funds as SPECIFIED not how you felt necessary as this is now going to LAWYER for misappropriation of funds.
05/19/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91107	Web
I am XXXX years old, in the last 5 years I have had XXXX. I have XXXX, the list goes on. I recently applied with BSI Financial for a modification review and they just informed me that the investor said they are unable to help because not enough time to review my modification package. I informed the agent of my health issues and how it took me some time to get my documents together and they did not care. The agent at BSI informed me that they are not giving me any options to foreclosure. I begged and pleaded with them and my cries went unanswered, I know my day is coming I just want to die in the comfort of my own house. In a few months I would qualify for a reverse mortgage if I do n't die before then. Please do n't let this bank and heartless investor kick me out to the streets to die alone homeless. I simply ask that they postpone and review the package that I sent in to them. They did not even bother to ask me about my financial situation or anything, they are violating my CA Homeowners Bill of Rights. Please do not let them violate CA laws and further slap in the face with the way they are discriminating against me for my XXXX and Age.
06/14/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92883	Web	Older American
I have overnighted on my account a cashiers check for XXXX I also listed instructions on how it should be applied and the fees I am disputing due the incompetence of BSI. They were charging fees with no explanation. Claiming I owed XXXX which I did not and my account should be fully reinstated which it is not as well as of yet. The check was signed for on XXXX/XXXX/16 and I requested my SPOC XXXX XXXX contact me and he has not. There should be XXXX lawyer fees as I appealed the loan mod denial and they claimed I did not and illegally filed a NOD violating CHBOR. Stated I had excessive obligations yet I was able to pay this did not offer any other options and were not thorough on how they are handling things. These violations have been taken to attorney. BSI is illegally handling loans and I have been proving it. Everything is also now being sent to FDIC as well as copies of cashiers checks to XXXX whom they claim I owed nonsense money too. XXXX actually owes me for excessive forced place insurance which was proven in lawsuit already. BSI needs to rescind the NOD immediately and have yet to do so. I am attaching copies of check and letter.
04/26/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08234	Web
On or about XXXX XXXX ,2017 we ha d water damage due to a storm in our area, we submitted a claim to our insurance company and the XXXX came and looked at the damage and after a few days we received a check in the amount of {$3700.00} dated XXXX XXXX ,2017 an d it was payable to my husband and the bank, which means it needs their endorsement. I called the customer service number to get the address and I spoke to XXXX , she gave me the address and I mailed it. Two weeks later I got a phone call from the bank asking me for the copy of the adjuster 's report, when I questioned why they said it is policy and procedure, XXXX did not know this policy and procedure and as a result I still have my water damage. I mailed the copy of the report on XXXX XXXX , 2017 till t his day I do not know if they received it because no one knows anything!!!! My water damage is getting worse but I ca n't fix it because I need my money! all the bank needs to do is endorse the check and mail it back to me I made several attempts to reach out to them and no one knows anything!!!!!! I want to solve this problem in a timely manner please help me.
11/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92883	Web	Older American
I sent a QWR to BSI on XX/XX/2016 and have had zero response back. I can not log in to their system to check any balances to make a payment and I have not received a statement from them since XX/XX/2016. I want to pay my loan but they are still not applying funds correctly and doing whatever they want. I call no responses back. I write letters and emails and no response. They are clearly violating Respa and CHBOR. I want to answers and access to my account online. I want my loan and XXXX I sent them to be applied correctly. The fees that they were trying to say from previous lenders have all been disputed and XXXX also sent them statement that I owed nothing and still saying XXXX. I have sent copies of payments to them and still lying. I want this cleared up and to pay my bill online. I have never had any servicer go to lengths to never send out statements, block online access and no response. All Illegal and also copying lawyer and Attorney General so there is proof of every violation. This will be taken to court as these violations have financial recourse for BSI to pay me. I can make my payments but it seems they do not want me to.
09/12/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	AZ 85286	Web	Servicemember
I took a interest only loan on my house for {$310000.00} agreeing to {$2500.00} per month. Three months into the loan it was sold to BSI Financial Services and there was no problems until XXXX, when I attempted to make my XXXX Payment the person I spoke with in customer service said " your loan in under a periodic review by the federal government '' because of this we are unable to take your payment at this time call back next week. After 3 weeks of this customer service finally said " just mail a check '' so I sent them a check for 2 months of payment, yes a paper check. The company sent me a statement XXXX for {$9000.00}. What I didn't realize till it was too late that the company was stalling in order to charge excessive fees, charges and anything else they can. They intentionally stalled me for a month saying it was the Federal Governments fault for auditing my account and therefore I have thousands of dollars in late fees. I have made several attempts to contact the company, results vary from them " graciously '' refunding 1 of the 17 or so different fees ( I can't sort them all out ) to them hanging up on me after 9-12 minutes.
01/09/2018	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27312	Web	Servicemember
XXXX has another ridiculous excuse not to do the modification on my loan. The first go around they were going to use gross income, actually gross is what they asked for on the application, but now they are not. They will only use {$400.00} out of {$1300.00} of my mothers Social Security. The reason is my mother must have prescription drugs she has to pay for on a monthly basis. True, she pays {$15.00} a month for her XXXX prescriptions, because she has prescription coverage with her Social Security. This is no reason not to use the full amount of income or at least the {$1200.00} my mother contributes monthly to our household. They only add just enough of my mothers income to keep the ratio over the percent needed to modify. They have tried everything including mistakes, not to do the modification of this overinflated loan and their added high-interest rate. Now they are moving forward to foreclosure and proceed with the sale. I sense some " age discrimination, '' or they are XXXX and can plan my mothers XXXX because XXXX said my mothers income is not secure. Well, my mothers Grandmother lived to a young secure age of XXXX.
09/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95630	Web
XX/XX/XXXX BSI Financial took out a home insurance policy on my house even though I already had insurance. This made my escrow account " low '' so they increased my monthly payment. I got that straightened out and money refunded, I asked for my payment to be reduced to what it was before the issue and was denied. XX/XX/XXXX I noticed that they started showing an insurance premium again, I asked that it be removed as I already had insurance and again provided proof. XX/XX/XXXX received notice that my monthly payment was to increase again due to insurance in my escrow. I called and asked that they delete that and refund the additional fees they collected in my escrow. XX/XX/XXXX BSI made the payment and still claims that my escrow account is short. I made my XX/XX/XXXX payment per my original payment amount and asked that they note why the payment is less than what BSI feels is the appropriate payment and asked for my escrow account be canceled all together. XX/XX/XXXX received notice that I could not cancel due to late payment, from XX/XX/XXXX. I now have delinquent penalty on my credit. They do not call you back.
01/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85281	Web
I fell behind on my mortgage due to a hardship. My Mortgage was with XXXX Bank, who sent an Auction Notice, the house is being Auctioned on XXXX 2016, then I find out when I call XXXX Bank that they Sold my property to BSI Financial Services. On XXXX XXXX, 2016. I have written XXXX emails and phoned BSI Financial 4 times so far. Last call was today and they informed me that they do not have my information in there system! What! I am being foreclosed on and the bank who bought my property has no information in the system on this. The rep. I spoke to from BSI after telling me he can find no records transferred me to a Dept. who should know something about what is going on, where I had to leave my name and number. I know they wo n't call me back. Now what do I do? I do n't want to loose my home! This is total fraud. I am in limbo! Is my home still in foreclosure since another bank bought it ( XXXX Bank Sold to BSI Financial )? I read the rating from XXXX and it is an XXXX rating for BSI Financial as well as being famous for never calling you back as well as terrible reviews. I feel totally lost, scared exhausted!
11/27/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 45042	Web
XXXX has failed on complying with the CFPB rules on : Early Intervention ( XXXX XXXX XXXX ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin 2013-12,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX within weeks of the transfer notice.
11/01/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91711	Web
I applied to refinance the XXXX trust deed on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX today off loan XXXX for XXXX interest only. In connection with that a payoff demand was made XXXX XXXX which a CSR for BSI Financial Services confirmed was prepared by telephone on about XXXX XXXX XXXX. The lender states they did not receive the payoff request. Two other payoff requests were made on XXXX XXXX and XXXX XXXX again BSI verifies occurred but the lender states they did not receive. I asked for a copy to be sent to me. On XXXX XXXX I received a copy of a payoff demand letter from XXXX XXXX money lending who states that collect for BSI The amount they claim due is XXXX good through XXXX/XXXX/XXXX. On Friday XXXX XXXX I received a letter dated XXXX XXXX XXXX from BSI stating if I do not pay off the loan by XXXX/XXXX/XXXX they will issue a XXXX XXXX late fee of XXXX. My two lenders I am working with blew a gasket saying they have never seen such a thing. Furthermore the demand is inconsistent with the written correspondence and I believe constitutes mail fraud. And probably other crimes and offences.
09/07/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
Attached, please find documentation for the following complaint against XXXX XXXX XXXX. Mr. XXXX XXXX has attempted to communicate with XXXX XXXX for almost 7 months over a mystery fee that they have added to his pay off demand. We have attached multiple payoff demands that he has received over the last 7 months. On some of the payoffs, a mystery fee of {$49000.00} is present while it is not on others. When questioned, XXXX has simply dismissed his requests for an explanation or to refer him to Appendix G of his loan documents ( I have attached appendix G here ). Appendix G is in regards to late payment, but in no way allows a mystery Maturity Fee to be added to the account. We believe this is simply an attempt of XXXX to commit fraud against Mr. XXXX. He has asked multiple times for an explanation and the response has been bogus at best. We would like XXXX XXXX to prove that they have the right to charge a 15 % on the gross unpaid principle balance in order for the borrower to pay the loan off or remove it from the payoff statement. CC : California Office of Attorney General
10/06/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 31204	Web
I acquired a home improvement loan on XXXX XXXX, 1997 XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00}. The payments are XXXX per month and these payments have been consistently drafted out of my personal checking account. BSI, the financial service that collects for this company, sent me a bill stating that I owe approximately {$19000.00} and to settle this account, I will need to pay {$27000.00}. The letter indicates that non-compliance would lead to foreclosure. Upon my investigation, XXXX XXXX XXXX XXXX does not have a physical address as indicated on their website. This loan is not on my credit report and from my understanding, credit reporting is not a common practice with this business. Strange!!! XXXX XXXX XXXX XXXX XXXX utilizes unfair and deceptive business practices along with preying off the weak or consumers who lack knowledge. Lastly, in corresponding with the Pennsylvania Department of Banking and Securities and the Florida Office of Financial Regulations, BSI Financial Services and XXXX XXXX XXXX XXXX are not registered to collect debts from consumers.
02/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30058	Web
PLEASE REFER TO CASE NUMBER : XXXX Please Note that I have started an investigation the ID number is enlisted above however, I am not able to add or update any additional information therefore, I am starting a new complaint. BSI stated within their last response to the CPFB that they can not generate a monthly statement for me due to the fact that my mortgage was discharged in a Bankruptcy back in XX/XX/XXXX. Which i rectified with XXXX back in XX/XX/XXXX prior to BSI buying the loan. They also stated and acknowledged the fact that I have XXXX loan numbers with the same servicer when I only have a first mortgage with said servicer. I have yet to receive an explanation for XXXX account number which to me is a violation of accounting principals and standards. Nor have they answered my QWR and debt validation request that was drafted and sent to the CPFB as well as mailed to BSI 's physical location months ago. My loan was also converted from a conventional loan to a FHA loan when BSI bought the loan from XXXX and that explanation has not been explained or rectified either.
09/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 125XX	Web
It is with great frustration, pain and desperation that I request a work out plan that will be affordable. I am desperate for I have received notice that my home has a foreclosure sale day of XX/XX/XXXX. I must begin to tell you that my home was purchased in XX/XX/XXXX. Never any issues until about XX/XX/XXXX-XX/XX/XXXX when my partner XXXX XXXX XXXX began with health issues. We applied for a loan modification then and were approved for a trial period. Shortly after XXXX passed on. I was devastated. I requested payment arrangement to no success. In XX/XX/XXXX BSI servicing company took over my loan. The payments were unaffordable. Please understand this is my primary residence, I want to keep my home. This situation was very stressful and distorted at the time. I could not believe what happened to XXXX. I lost him for ever. I have now have organized matters and I am able to pay for my home. There are lots of memories here in my home. I have submitted all my financial documents including death certificate for XXXX. This is a hard fall please extent a hand and help me.
07/21/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	VA 22315	Web	Servicemember
I held two HELOCs with BSI Financial, loan numbers XXXX and XXXX. I refinanced XXXX and sold the property associated with XXXX. In each case, BSIF withdrew funds out of my personal checking account after closing the mortgages. Loan XXXX. We closed on the refinance XX/XX/XXXX. On XX/XX/XXXX, withdrew the monthly payment as if the motgage were still active. BSIF stated the title company did not return the correct documents to them. The loan payoff had been received by the BSIF. I followed-up and sent the documents even though they were in the closing packet sent by the title company. BSIF subsequently returned the funds. Now, XX/XX/XXXX, a month later, another payment for the same account has been removed from my personal checking account. Loan XXXX. We closed the loan on XX/XX/XXXX. I ensured the same forms were signed and included in the title package. Funds were transferred after the close of the sale and I received wired funds within my personal account same day. Now, XX/XX/XXXX, BSIF has withdrawn a payment from my personal account as if my loan were still active.
05/28/2018	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 334XX	Web
OUr company borrowed a loan from the hardmoney lender XXXX XXXX for {$150000.00}. The loan rate was 12 %. The loan was foreclosed on because they did not continue the direct charge to the account provided. Upon realizing that the payments were delinquent, we asked them to allow us to catch up. They declined and foreclosed on us. We sold the house. Upon closing they charged us an additional 15 %. They instructed our buyer not to pay any additional funds. They would not close unless we pay the additional 15 %. According to florida statute 687 the limit total rate is 18 %. We were already paying 12 % and then we had to add another 15 %. Also the law states that 5 % is the maximum late fee so the 15 % additional charge is unfair. We had to agree to the rate because we would have lost the seller. They also would not close unless we signed documents agreeing to these terms. The closing statement sent to us before closing did not include these fees. The final closing statement adjusted the amounts. We were unaware of the hike in fees until then. There was so much deceit.
02/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85013	Web
BSI Financial Services purchased our loan from XXXX XXXX XXXX. We were and are in an active Bankruptcy. For over a year, BSI Financial did not apply payments made to the loan, they put them in the escrow account. Since they did not apply payment correctly, they are charging interest and penalties on the loan that was paid. For 6 months we have been trying to work with the bank to get an accurate balance. We have had a lender that was willing to pay off the loan but BSI has been unable to get the payoff amount or balance due in 6 months. They are also continually reporting the loan incorrectly to the credit bureaus since they have not applied payments correctly. we have had a few discussions with our representatives and they always say they are working on it. Recently we have had update calls scheduled but they do not call. The person at BSI who says he is going to resolve the issues is XXXX XXXX. I believe the loan is now paid off, but they have fraudulently added more than is owed to the loan and are fraudulently collecting on a mortgage debt we no longer owe.
11/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CT 06516	Web
My mortgage company has not comply to help my with a mortgage modification for almost 3 years already. I have submitted many documents to them with no cooperation. Now they wwant me to vacate the property and I am XXXX. They are sending a real estate agent every week to harrased and tell me that I have to vacate the house as soon as possible. I have no plave to go to and neither the funds to do so. All I wanted was to get a more comfortable payment for my mortgage and I end up almost loosing the property. They have submitted to me documents where they claim that the house has been foreclosed on. There no place on this documents that states that and also no recorded action at the Judicial department and website. Please try to help me in getting to comply with my request and work with me instead of hurting me. I have medical records that can support my XXXX status. Attached you will find the documents where they claimed that the house has been foreclose back in XXXX and I never was notify of this until I reported my complaint. Hope in hearing from you soon. XXXX
03/15/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92337	Web
It is now XXXX/XXXX/2016. As stated before, we were left no option but to do a died in lieu with BSI. We have lost our home of 18 years even after being able to provide proof of sufficient income to make payments if the loan were to have been modified. We did everything we could to save our home. BSI has been the most unprofessional company we have ever worked with. Im asking you to please review all records, phone calls and proof of income. I have kept and printed off all emails. The number of staff and representatives we went through in this horrible process. We ended up in contact with the CEO of BSI. With all of this being said, we have turned over all contact via email and mail and phone calls to our attorney. We are going forward with a law suit as this loan has been so mishandled and ended up in my family being homeless. This has also been reported to the housing authority, HUD, and XXXX. Its a shame that this company remains in business. Please take the time to review, research and investigate how loans are being handled.
09/07/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92883	Web	Older American
Please see attached again. My funds have still not been applied correctly and I went thru the fees. Also as their attorney said BSI apologizes for claiming a request was a QWR when it was an appeal does not make it ok. I want my fees applied correctly as requested and the statement does not even show the extra XXXX claimed to not be applied. I would never know what was not applied without constantly having to question everything. It should have been XXXX not XXXX extra. I am so tired of this run around. I want my funds applied as directed plain and simple. If BSI bought this loan it is their responsibility not mine to prove fees. In regards to XXXX maybe they should realize XXXX never responded to any QWR I sent them. Never mailed me statements or anything. I found out they bought from XXXX months later and I contacted them asking for info. They never sent me a statement or fees or anything. The only thing they ever said is that they are working on XXXX modification that was sent. Never a fee, Never a response to QWR NOTHIONG!!
06/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85226	Web
I requested a Payoff Statement on XX/XX/2019 from BSI Financial Services per their instructions ( on back of mortgage statement ). The payoff statement had unexplained charges for a " Deferred Amount '' of {$2700.00} and for " Late Charges '' of {$250.00}. After speaking with multiple representatives no one at BSI Financial Services can explain the reason for these charges. Two weeks have gone by and BSI Financial Services still has not returned any of my multiple voicemails ( to a supervisor and to my SPOC ) or issued an accurate payoff statement. Now I am at risk of losing a new loan because of the long delay, which will cause me significant financial harm. It now has been twelve ( 12 ) business days and BSI Financial Services still has not provided an accurate payoff statement. This is a violation of Regulation Z 1026.36 ( c ) ( 3 ), and is a compliance violation. BSI Financial Services ' compliance violation and failure to provide even a basic minimum standard of service has put me at serious financial risk.
09/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 074XX	Web
I filed a complaint with you in XXXX against bsi financial.i have a letter stating they corrected the informations and corrected my mortgage payment. I paid per the letter XXXX for XXXX as I have an adjustable rate which changes in septemer the letter that was sent to you to correct the problem seams as if it was just to correct the problem of the mortage payment for XXXX month. I just received a statement showing I know owe XXXX per month.it seams to me they are looking to make me default on the loan .I cant understand why this has changed .this is a company that is very deceptiver ceptive with the practices on my mortgage. I am tired of trying to be taken adva antage of .I will continue to file complaints with you .as you do get results from this company. you can not just call and try to resolve anything with their custom er service..this is such a unprofessional co to deal with.how could they owe me XXXX check # XXXX and then up my payment XXXX $ per month.this com pany should not be in business. service.
05/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29720	Web
XXXX sold my mortgage to BSI Financial. They took a year to set up ACH payments. They try pulling the payments early causing NSF fees. Then they wo n't accept payments. I 'm going to end up losing my home, that I had built on land that was my late grandfathers and then my late dad 's. My research has shown me horrible things about what this company does and their Investors, XXXX XXXX XXXX. It seems they foreclose on people, a " friend '' company buys the home at auction and BSI ends up owning the property before it 's all said and done. XXXX. Too many people are losing their homes to this crooked company. As for my situation, I 'm now a single mother trying to keep my home and land ( which is family land and means the world to me and my son ). If I was able to refinance, I would, but that 's not an option for me. This company needs to be stopped! What can be done to stop this monster? I know there are enough people being ruined by this company that it 's known what they are doing. Please, someone help.
01/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95138	Web
A problem was previously resolved where the mortgage company, BSI Financial, put us into foreclosure for supposed missed payments. We filed a complaint with CFPB Claim # XXXX, and this was cleared up and supposedly rescinded as this was their mistake- we made all of our payments and provided proof. We continued to make payments and again they are saying they did not receive payments for XXXX and XXXX although they have attached proof. Our account manager, XXXX XXXX, calls my home harassing us, and refuses to give my wife any information and says she can not speak to her even though she is listed on the loan. Sometimes she does speak to her and other times she says she can not. We are tired of being harassed. We make our payments timely each month and they cash them, then say they did not receive them. Last time it got to the point that they started foreclosure proceedings. This time they are saying they did not receive XXXX payments and are charging us late fees even though they cashed the checks.
05/31/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	IA XXXXX	Web	Servicemember
It has now been 60 days since XXXX has taken over the servicing of my loan ( my previous servicer, XXXX XXXX XXXX, has already verified to me that everything was transferred to XXXX on XX/XX/2018 ). I am in the process of trying to refinance my mortgage, but my account is locked due to 'auditing ', so I can't provide any information to my potential new lender. I have repeatedly called XXXX and documented those calls, but each time it's the same story ; no information. Nobody can tell me how much longer this will take, nobody can provide me with any information about my account details, etc. I'm seriously to the point I'm about ready to begin contacting attorneys in my area to see what type of recourse is available to me. For the moment, I will simply submit another complaint ( XXXX has never responded to my previous CFPB complaints ), so I have a paper trail showing my multiple attempts to resolve this issue. I attached a jpeg showing what I see every time I log into the XXXX system. Nothing.
08/07/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NC XXXXX	Web
I was a loan modification process with BSI mortgage co., therefore they would not accept any payments and kept reporting me as " late payment '' and now " delinquent '' which is not a fair statement. How can I be late or delinquent when they wont accept a payment and then turn around and report this to XXXX and XXXX as a true statement? ( thank you for correcting this error from XXXX ) that is a fraudulent statement!! THEY ALSO SHOW " FORECLOSURE '' - I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. BSI is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! BSI is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from BSI showing PAID IN FULL. Please help!! Thank you!!
08/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 183XX	Web
we had a mortgage with XXXX. we had gotten behind because my husband was out of work for a year. I started a loan modification with XXXX and before it could be completed my loan was sold to BSI this XXXX. After speaking with them they advised me that I would have to reapply for a modification with them which we did. this was back in XXXX 2015. I sent BSI all the necessary paperwork just to receive XXXX letters from them claiming they could n't move forward with the modification until they received recent paystubs and bank statements. I sent new XXXX even though what they had was still current. since then 6 months has gone by without any word from them. I email them and get no reply. I recently contacted someone other than my CSR and heard from him claiming he would forward my email to my CSR. That was two weeks ago and still no word. In the meantime I was told no payments would be accepted on my mortagage until it was modified. I now owe over {$20000.00}. XXXX is my loan number with BSI.
05/13/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95051	Web
I applied for assistance in saving my home from foreclosure with BSI Financial. I hired an attorney to help me with my application. My attorney submitted my application on XXXX/XXXX/XXXX. BSI denied my application on XXXX/XXXX/XXXX stating my current contractual payment was below XXXX % of my gross monthly income. However, BSI made an error and used my Contractually due payment from XX/XX/XXXX in the review ( {$2100.00} ). Per HAMP guidelines they are not supposed to be using my Contractually due payment ( from XX/XX/XXXX ) in the review. They are supposed to be using my XXXX contractually due payment, which is {$2500.00}. My attorney was advised I would have to appeal the denial and we did so on XXXX XXXX, XXXX. Since XXXX XXXX, XXXX BSI has refused to respond to my appeal. I am told that per guidelines and RESPA Reg X, my servicer is not supposed to evade review and must reply to my appeal in 30 days. Today it has been 64 days since my appeal and I still have no response from BSI.
05/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95843	Web
My name is XXXX XXXX an d BSI Financial has b een my loan servicers since XXXX XXXX , and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very XXXX XXXX XXXX XXXX . Since last year we 've requested loan modification from BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only w ishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only XXXX square feet. We found a lot of fraud, especially with the XXXX company. You can look at the attachments and see what kind of fraud XXXX creates. They tried to sell my property illegally, they do n't have any right to sell my property on XXXX XXXX , XXXX . XXXX XXXX XXXX pdf See attachment.
02/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08096	Web
Hi I refinanced in XX/XX/XXXX, BSI Mortage company is impossible to reach, when I do I get a different person and have to explain everything that happened since XX/XX/XXXX again and again. I contacted the company that did my refinancing to get help and they were able to get someone to call but that was XX/XX/XXXX and have n't heard from them since, numerous calls, phone messages left at ex XXXX and company mainline, emails all go u answered. Since XX/XX/XXXX when i changed home owners ins. My payment has n't been correct, numerous calls to old and new home owners to ensure that I was insured and I am, but now I 'm over paying my payment, paid my shortage in XX/XX/XXXX and it went higher. Now that I did all the leg work to fix my homeowners .I have a Check for BSI for return because I had to reach my old homeowners that they paid due to incompetence. Now I 'm getting letters stating that I need to update my homeowners from BSI. I just do n't know where to turn now
07/19/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA XXXXX	Web	Older American
The issue is I should not be in default. All supporting documents with how my payments on multiple times have been applied incorrectly and still not fixing over a year pushing it into default incorrectly. I should owe XXXX for XX/XX/XXXX. Yet they have told me I owe XXXX plus XXXX in wrongly assesed late fees as I had paid mortgage for 5 months in advance in XX/XX/XXXXwhich they applied to false fees and I specifically had told them how to apply I had been paying in advance until they can fix issue. A year later nothing fixed and now they inflate information. They have 72 hours to apply correctly and falsely reporting delinquent when I have proof of money sent and how should be applied. All proof attached fron XX/XX/XXXXto present how they mis handle fees and then report negative. They are stealing money and I have all proof. This is also enough proof beyond a reasonable to doubt for suing them on falsely forcing foreclosure again 1 year later. Enough is Enough.
07/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90221	Web
have been trying to get a loan modification for over two years, each time I was denied XXXX used the wrong income. I have equity in my property, yet I was encouraged to give a deed in lieu and hand over my equity to the bank. The foreclosure process by XXXX XXXX was horrendous and the trustee XXXX, XXXX XXXX XXXX XXXX made no doubt that they were not interested in assisting me what soever, and were very hard to reach I felt a like ping pong ball going back and forth between the lender and the trustee. XXXX has not been willing to help people of XXXX and it appears that this practice is systematic and prevalent in the City of County which shows in the XXXX complaints by unhappy customers. I received a compliance declaration from XXXX with California Civil Code which does not exist. I am unable to tell how the trustee came to be when I am in a securitized trust that I don't know how I got in and I can not find evidence of my loan in this trust,
02/10/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33487	Web
My mortgage was originally With XXXX XXXX, then sold to XXXX, sold to XXXX and then sold to Bsi financial. Bsi financial does not answer their phone, return calls, and they lose documents submitted and Certain departments of BSI do n't even see me as a consumer. I keep submitting that I have insurance on my condo and when I call the insurance department of BSi they say no loan exists in my name. I could be making payments and sending my information to where? Also my interest rate keeps increasing every year. I can not afford this and when I submit paperwork they tell me it 's not valid or expired. I do n't want to lose my home. Today I waited 2.5 hours on hold and then a message came on to leave a voicemail ( I have done so and emailed but never hear a response back ). I was also told that my person of contact is a XXXX XXXX, I have called him, left messages, to no avail since XXXX. I can not connect with him. Something needs to be done.
06/18/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IA 506XX	Web
Our current mortgage was with XXXX XXXX. We received a letter stating our mortgage loan was sold to BSI Financial services. XXXX XXXX informed us within the 15 days our loan was being sold to XXXX XXXX. XXXX XXXX would start servicing our loan XX/XX/2018. It is now XX/XX/2018 and we have not received any type of letter informing us that they are our new servicer. A gentleman has called us but he only asked us what was our plans pertaining to the house. ( yes, we our behind on our mortgage but filing bankruptcy with plans to keep the house ) I asked him where our introductory letter was as that is required by law? No response. XXXX has failed to follow the law in regards to the sale/transfer of a mortgage. Please inform myself what my rights are under the law and who I contact to pursue action against XXXX. Such as what type of attorney ( real estate attorney etc.. ) As I plan to pursue to the fullest extent of the law. XXXX XXXX XXXX
11/28/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 27312	Web	Servicemember
XXXX XXXX XXXX underwriting has canceled my request for a loan modification. Stating I did not send a requested document. They are asking for a recent benefits letter from the VA for my XXXX-year-old mother with XXXX whom I care for. She has not been approved for Aid and Attendance " yet '', and we are still waiting for VA 's approvals. I can not give XXXX something I do not have. This is future income and benefits, and I have stated such. A letter from XXXX on XXXX XXXX, 2017 states : " Your application remains incomplete and have canceled your request for an evaluation of your loss mitigation application. '' Next, I have waited for years for XXXX to modify my loan and they have denied my request. At the last minute as my home goes into foreclosure XXXX said, they will send me a packet for loss mitigation. As my amount due goes into overdrive to where it is impossible to pay as they make MORE money on my hardship. I need help!
11/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 93021	Web
I have been countinously working with BSI with an authorized XXXX party. The XXXX party is representing me in this case, and she has had numerous contacts and supplied multiple requested documents but the lender is failing to communicate or provide support in this loan modification phase. We are told to provide same documents over and over again, SPOCs assigned by the lender keep changing and honestly I feel that my file has no communication log or tasks completed. I ask questions and no answers are given from the lender, and at this point we are very frusterated and would like a work history report on our file and this matter escalated who can diligently review our case for loan modification. I have been in financial distress and have had major medical illness in my family, and all documents have been provided to lender, we still can not communicate efficiently on the outcome of our loan modification. Thank youXXXX XXXX
05/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	ME 040XX	Web
BSI financial is failing to complete review for loss mitigation within 30days after receiving a complete package and acknowledging it is complete on XXXX/XXXX/2015. See attached letter. They also were slow to acknowledge receipt of package. Request for mortgage assitance was fax to BSI on XXXX/XXXX/2015 and recieved a confirmation of receipt letter dated XXXX/XXXX/2015 same day as a request for additional documents were made. Submitted all additional documents on XXXX/XXXX/2015 and they have not requested anything further. Point of contact does not return calls and other representatives can not give status update. Left message for XXXX XXXX on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 for a status update and have not gotten a return call did talk to XXXX XXXX on XXXX/XXXX/2015 and he advised something was approved and in route but have yet to receive anything. Escalated case today with XXXX XXXX.
03/16/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IN 473XX	Web
We had our mortgage thru BSI and they had contacted us and said that we could skip three payments on our mortgage to help us out. We were in the works of getting this taken care of speaking to XXXX at BSI when our mortgage got sold to XXXX in XXXX, we had a verbal contract with XXXX that we would not have to pay our Mortgage until XXXX of this year, when our mortgage got bought out he assured us that the new company would honor the same agreement. The problem is XXXX has had our mortgage for a month and a half now and are waiting on the paperwork from BSI and XXXX so they can hold up the agreement we had with BSI. I have emailed BSI askign them to send the information to XXXX but they are not responding to my emails so we are stuck in a hard spot at this point, on top of all of this they did not pay our property taxes for a year and a half so our hous is on the list to be sold for back taxes. Nice company would n't you say,
04/20/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	IA 50310	Web	Servicemember
I spoke with 2 different reps on XXXX18. My loan was recently sold to XXXX XXXX XXXX. I've been trying for a week now to make a payment, but every time I log into their system, all my account details are blank and there's a message to contact customer service. I just assumed they hadn't gotten everything transferred over. When I finally contacted the two previously mentioned reps, they stated I had a cease and desist letter on my account from the previous servicer. I explained to them the letter just dealt with them not contacting me by phone because I got fed up with repeated reminder calls, etc. Btw, I'm not behind on my payments and I don't run behind. I just don't want robocalls. I was instructed that I can't have that request with XXXX unless I completely remove all requests for no contact. Essentially, what they are doing is preventing me from making a payment unless I agree they can contact me by phone.
08/22/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22043	Web
Hello sir or madam, My name is XXXX XXXX. I had send check X/XX/2017 some how check was returned to our bank the check was applied to mortgage on X/XX/2017 was returned for non - sufficient funds. I send two check one for was late payment the other one was next mount. Than I call the mortgage company the lady on the phone I have paid right now than It was n't late fee will be involve. I made over the phone with my business check credit card. So far I have n't skip any payment they keep sending late payment notice. I call them this was a mistake unfortunately they do n't take seriously what I was telling them. I have I document that showing I had my payment. We ca n't make any progress. If there was a way I need to approach them please let me know. My contact number is XXXX XXXX XXXX email : XXXXXXXXXXXX. Loan company name is BSI Financial Services. Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX.
06/22/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 93030	Web
I HAVE BEEN APPLYING FOR MORTGAGE ASSISTANCE WITH MY SERVICER, BSI FINANCIAL. BSI HAS ASKED FOR THE SAME DOCUMENTS ON XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX, 2015. EACH TIME THE DOCUMENTS WERE SENT TO BSI. THE DOCUMENTS ARE : 2 MONTHS BANK STATEMENTS, XXXX MOST RECENT PAY STUBS, AND HOMEOWNER 'S DECLARATION PAGE. IN A LETTER DATE XXXX XXXX, 2015, BSI ASKS FOR THE SAME DOCUMENTS AGAIN THE LETTER IS ATTACHED. ON PAGE XXXX OF THE LETTER IS AN ADDRESS AND FAX NUMBER FOR XXXX, PA. ON PAGE XXXX IS THE ADDRESS AND FAX NUMBER FOR XXXX TEXAS . IN A PHONE CALL WITH BSI ON XXXX XXXX, 2015 AN ENTIRELY NEW FAX NUMBER WAS PROVIDED. BSI IS UNABLE TO PERFORM BASIC OFFICE FUNCTIONS AND ACCOUNT FOR DOCUMENTS THEY RECEIVE VIA FAX. WHAT THEY CAN DO, HOWEVER IS SCHEDULE FORECLOSURE SALES. BSI SENT A REPRESENTATIVE TO MY PROPERTY WHO POSTED A NOTICE OF TRUSTEE SALE WITH A FORECLOSURE SALE SCHEDULED FOR XXXX XXXX, 2015.
08/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 206XX	Web	Older American
Several years ago my mortgage was serviced by BSI - somehow they recorded the WRONG parcel number when paying the real estate taxes on the property for a number of years. Subsequently BSI transferred the servicing of the mortgage to XXXX XXXX and communicated the erroneous parcel number to XXXX in the transfer. XXXX continued to use the money in my escrow account to pay taxes BUT not on my property. Subsequently, I was notified that due to NONPAYMENT the District of Columbia had sold my home due to delinquent taxes! In a conference call between myself, XXXX and DC the shortage was identified and XXXX paid the outstanding balance owed. XXXX is now billing me for the amount of the shortage which BSI withheld in my escrow account and paid for some other parcel. This is exactly what BSI was charged with in the settlement negotiated and finalized in XX/XX/2019. How do I get my money back from the XXXX at BSI?
04/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33183	Web	Older American
My name is XXXX XXXX my property address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Servicing Lender is BSI Financial Services. My loan number is XXXX. I am writing because I was approved for a trial modification and was supposed to make three trial payments commencing in XXXX XXXX, XXXX my last payment being in XXXX 2015. I have now completed all my payments and have yet to receive the permanent modification. My representative assigned to my case is XXXX XXXX phone number XXXX ext XXXX however, I have left him numerous messages and he is never available and never returns my calls. I have called their attorney and they have advised me that they do not know why I have n't received the permanent modification. I have continued to make my monthly payments however, I am concerned as I am still in foreclosure and the bank does not complete my modification nor give me a valid reason why it is still pending.
02/08/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 932XX	Web	Older American
In XXXX XXXX XXXX my husband passed away then in XXXX XXXX XXXX a car hit me causing injury to me. I had to pay for my medical bills and both insurance company sent money to my attorneys, I let my mortgage company know what was happen and why I got behind in my payments. I also called keep your home and they said I qualified for help up to XXXX the mortgage company would not except the money. I do not under stand why other then it would bring my principle down. I sent a letter to the mortgage company with statement I would receive money to catch up with my payments and for them to let me know if a sale date should happen. The mortgage. did not let me know but posted a sale date for two week of the sale in XX/XX/XXXX .I have a great granddaughter living with me and my health is bad I need help to under stand why this mortgage company did this and why they will not except the money from keep your home.
09/23/2015	Yes	Mortgage Other mortgage	Settlement process and costs	CA 92394	Web
My wife and I fell behind on mortgage payments with XXXX. We started a modification process, however XXXX sold our loan to BSI Financial. BSI was not going to process our modification, however we filed a complaint about them with this bureau and BSI promptly contacted us and began our modification. Now, BSI approved us for a modification. I am just very dissatisfied with the modification because according to BSI they can not provide us with a better solution than a ARM because that is what we originally had with XXXX. My question to them was, then why the modification if they were not going to provide a better option. So, now we are looking to see if this is legal and/or is it true that a new lender can not provide a better mortgage solution through a modification? If so, where may I get further information on that? All we want is to be able to afford our home and retain our home.
07/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28027	Web
Old Acct # XXXX Acct # XXXXHello My name is XXXX XXXX and we were sent to BSI Financial from XXXX XXXX XXXX. We were in Foreclosure. I filed for Bankruptcy in XX/XX/XXXX ; Once approved and was given an amount to pay monthly, I filed for a Loan Modification in XXXX of XXXX to begin making payments again with BSI Financial. After three weeks I called and was told to be patient they were processing it. I called about XXXX times total and was given the same information. On XX/XX/XXXX the envelope I sent with the modification paperwork came back, return to sender. The address for BSI Financial matched the address to this company. I am very dissatisfied with this company. I am trying to keep my home and work with this company to do so but to no avail. My desire is to receive a loan modification and continue to pay my mortgage to keep my home. Where do I go from here? Thank youXXXX XXXX
11/29/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 185XX	Web
On XX/XX/XXXX XXXX XXXX XXXX issued an ACT 91 order for the amount of {$4900.00}. I called on XX/XX/XXXX to discuss payment options. No one returned my call. I called on XX/XX/XXXX and was informed that my case was transferred to a new Point of Contact Person and given his voicemail. I left a detailed message. He finally called back on XX/XX/XXXX ( 9 days! ) Unfortunately I was at work and was unable to answer. I called back later that evening and got his voicemail again.. No call back. My breach notice expires today. Guess who I finally got to speak with? According to him I need to send XXXX by the end of business today in order to put a forebearance into effect. Had someone offered this weeks ago when the first call was placed it would n't have been an issue, I could have secured the funds with time to spare. Now I 'm going to lose my home because they do n't return phone calls
11/28/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	TX 21784	Web
In 2003 I purchased the real property known as XXXX XXXX XXXX, XXXX, Maryland XXXX in XXXX County. Thereafter, I entered into a mortgage with XXXX XXXX XXXX XXXX XXXX. The Note was for {$480000.00} and refinanced XXXX outstanding mortgages. I have made the mortgage payments. Last year my loan was transferred to mortgage servicer BSI Financial. I have made attempts to determine my Rate, Payment, and Balance as I feel the loan has not been serviced correctly. When I call BSI I have been told to speak with different persons there who give me different answers. On XXXX XXXX, after being away for a couple days, I came home to my house having been ransacked, and furthermore, my house having been winterized and put under lock and key by my mortgage company 's proxy. I have had no foreclosure action instituted against me, and I have made every effort to comply with the terms of my loan.
04/26/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 22042	Web
What happened? Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX/m 2. XXXX XXXX took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Push to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13. No answer as of today XX/XX/XXXX
06/07/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	VA XXXXX	Web
BSI financial services starting servicing my mortgage XX/XX/XXXX. My interest rate is PRIME - 1 %. They raised my interest rate on my loan ( outside of my initial HELOC disclosures requirements ) by 0.625 % on my HELOC. I just found out they did this after asking why my account / payment was raised to this interest rate & payment. I have never been late 30 days or more nor have I missed a payment date. When I called a while back & inquired, they could not answer why this was the case. Today, they stated it was because I did not escrow. No where in the multiple servicing history ( XXXX servicers ) where the servicers allowed to raise & /or adjustment my interest rate without disclosure. I would am filing a formal compliant to document this predatory lender philosophy. Also, I tried to set up my new account adjustments in XXXX, XXXX via their website. Thank you, XXXX XXXX
09/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32713	Web
I had a mortgage through XXXX XXXX XXXX for a home in MD. I was approved for a DEED in lieu. The paperwork was done and processed XX/XX/2016. Bwi financial services notified me they were taking over loan on XX/XX/2016. I called and notified them I was in a deed in Levi and it has just cleared XX/XX/XXXX. They said okay they will make note and I notified them they needed to stop calling and mailing me items. I do not own the home any longer. They have continued to mail me sending letters and bills. I called a gain and told them to stop. I just received another bill. I called again this morning and they said the person is XXXX who is in chnarge of the account. They said he is not in but will have to call me again. I do. It own the home and I do not want to be harassed. BY BSI because they are not organized. They need to deal with XXXX XXXX XXXX and figure this out.
11/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48009	Web	Servicemember
Dear Escalation Supervisor, On or about XXXX XXXX. XXXX I was advised by XXXX XXXX XXXX XXXX all documentation was received to proceed forward with a property modification. Since this point I 've had no updates or communications from the mortgage servicer. Upon calling several times to get a status update with XXXX, XXXX and XXXX no follow up has occurred. On XXXX XXXX. XXXX I had a XXXX package delivered to our townhouse. It seems to indicate I should call in to get further direction on the next step to the process. The property is indeed occupied. It is important the servicer call me back and give me a update via phone and or E-mail. It seems XXXX XXXX is never available. Please assign a new representative to my account as soon as possible. All communication or correspondence should be mailed to : P.O. XXXX # XXXX XXXX Michigan XXXX! Thank you ahead of time.
03/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37920	Web	Servicemember
In XX/XX/2018 I received approved paperwork for a mortgage loan modification through my lender, XXXX XXXX. First payment was scheduled for XX/XX/2018, which I made. Later in XXXX I received a statement ( that had been mailed to an old address ) from another company, XXXX XXXX, showing they were the mortgage lender and I was more than {$12000.00} in arrears. I have not received any further documents from them. I called XXXX 's customer service, and each time was told I had to talk with a loan officer named XXXX before anyone could help me. I have attempted for four months to contact XXXX, by phone and e-mail,. All I ever get is voice mail. I have been trying to find out why XXXX has incorrect loan data on my account, if in fact they now handle the mortgage. I have even sent them a copy of my modified loan contract. Still no success in talking to anyone there.
11/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29680	Web	Older American, Servicemember
Loan Number ( Loan # XXXX ) XXXX XXXX XXXX XXXX SC XXXX We were notified XX/XX/XXXX that the servicer BSI Financial had no record of us having insurance for the period of XX/XX/XXXX- XX/XX/XXXX therefore the company BSI must force us to pay an additional {$310.00} per month on our payment due to escrow shortage. This address is listed below : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, PA XXXX To remit overnight payments, mail to : BSI Financial Services Lockbox Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Customer Care Phone : XXXX Customer Care Fax : XXXX We took the following actions called them on XX/XX/XXXX, called on XX/XX/XXXX and faxed on XX/XX/XXXX still no corrections made and they are changing our payments to {$1500.00} effective XX/XX/XXXX. This is not fair to us because the error was made BSI Financial. We want payments corrected
04/26/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	VA XXXXX	Web
Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, XXXX % /annum, $ XXXX 2. XXXX XXXX took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Force me to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13. No answer as of today XX/XX/XXXX
01/26/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CO 80922	Web
I filed with CFPB on this already Case Number XXXX. I received an email today stating the case was closed because the Lender responded. The response was they have taken care of this matter. They have done NOTHING! I have still not been reimbursed. I have been lied to over and over that the check has been mailed. My insurance company still has not received any money from the Lender. This is ridiculous. I have spoken with every supervisor and customer service person there and each one of them tells me a different story. They have blamed the previous lender which is crazy as the previous lender sold the loan on XX/XX/XXXX and the Insurance payment was not due until XX/XX/XXXX. They told me they would send me a check. They did not. They told me the check would be sent to the Insurance company and was already cut..it was not and they did not send anything.
05/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 234XX	Web	Servicemember
I paid my mortage balance of {$1.00} in full via a XXXX billpay check on XXXX XXXX, 2016 to BSI Financial. BSI refused to apply my payoff to my account and instead continued to send me late fees XX/XX/XXXX on a {$1.00} balance!!! Upon speaking to a supervisor, I was informed that they could not apply the final payoff payment until I paid them {$41.00} to record the deed with the courts as PAID! I requested proof of this policy in writing which I never received. On XXXX XXXX, 2016, I sent the {$41.00} recording fee anyway so that I could be DONE with this crooked company who has refused to apply payments in a timely fashion for the last 4 years!!! Now, they refuse to still apply the final payoff of {$1.00} and refuse to complete the recording of my payoff with the courts and continue to send me late fees on {$1.00}! Why is this company still in business!!??
03/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76012	Web
I received a letter from BSI Financial stating they were setting up an escrow account because they made a payment to the county tax office in error. I checked the county tax office and they do not show receipt of this payment. BSI states that I have a negative balance of XXXX in an escrow account. I pay my taxes directly, which is the way the mortgage was originally set up. BSI bought the mortgage from XXXX. My tax bill was paid on XXXX XXXX, 2015, by me, way before the due date. I have tried to contact BSI financial at XXXX, which is the number shown on the letter received. I called during the business hours listed on the letter. I can not reach a live person. I believe that BSI is fraudulently setting up an escrow account for money that is not owed to them by me. Since I can not resolve this by contacting them, I have decided to try this avenue.
08/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33844	Web
Since I registered my last complaint that is being acted upon I have discovered that my loan has apparently been sold to another company. As XXXX are still investigating my complaint I am at a loss as to what I am supposed to do next as I at first thought this was a scam. The new company have made no attempt to contact me via my contact address that should have been passed to them by XXXX but is also readily available from the Appraisers office. I still believe I am being forced into foreclosure by these companies. I have not signed loan paperwork with either company and was completely unaware of this second company until last week. Please assist me to resolve the matter. CFPB Case XXXX Company review In progress XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX
10/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34293	Web	Older American
We have received a 'notice of default and intent to accelerate ' from XXXX XXXX XXXX . We have already been through arbitration and modification. Our first payment was " lost '' by XXXX. We are retired and on a fixed income. XXXX opened an " insufficient funds '' account. After forced placed flood insurance, attorney fees, late fees, ect., our 'amount due ' went from & XXXX in XX/XX/XXXX to {$4000.00} in XX/XX/XXXX to {$9400.00} by XX/XX/XXXX. Since our social security money is deposited on the third week of the month we were unable to make payments on time. We increased our payments from {$1100.00} to {$1300.00} to make up for flood insurance and late payments. We have paid every month. It's impossible for us to match the fees that are injected into our account. Default is built-in. Our last application for mitigation was cancelled.
03/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33186	Web
XXXX XXXX reported wrong information to XXXX credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to XXXX and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.
01/23/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94534	Web
My mortgage company did a loan modification for me. During the 3 month trial period, they reported me as late for all 3 months. ( XX/XX/2016,XX/XX/2016,XX/XX/2016 ). I noticed the discepency XX/XX/2016 and immediately called the company to ask for a credit repair which they assured me they would get started on. This has still not been done- 4 months later. Ive left several messages with my contact and their manager since XX/XX/XXXX and they always promise itll show up on the next month. They now wont call me back at all since XX/XX/XXXX. I was in escrow to buy another house when this all came about and I have since had to back out of the purchase and lost the opportunity. I went to see my lawyer and he suggested I contact CFPB. He was outraged that this company was able to just ignore me and drop their heels they way they have.
07/01/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 945XX	Web
My XX/XX/XXXX BSI Financial Services home equity line of credit statement shows my bank account was automatically deducted an additional charge of {$71.00} on XX/XX/XXXX. This charge is listed under " late charges & fees '' under transaction activity but the additional charge is actually due to an INTEREST calculation error BSI made in XX/XX/XXXX. I was informed the prime interest rate had increased in XX/XX/XXXX but BSI neglected to reflect this increase on my home equity adjustable rate line of credit. As a licensed loan company, BSI is aware of income tax implications when referencing late fees and interest payments. They are also aware of customer credit ratings when recording customer payments. I did not make an error on paying my XX/XX/XXXX statement. This oversight is due to BSI Financials mistakes.
02/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 337XX	Web
Our Loan was recently transfered from XXXX to XXXX which we received notification for in XXXX, We made 2 payments to XXXX and when we went to Pay for XXXX 2016 their web site stated there was no payment due, Today I was finally able to get thru to them and they stated that they had sold the loan to BSI Financial Services, I asked when they where going to let me know and they said they send a letter, I told them I never received a letter so they looked it up and found out that they had put the wrong address on the letter, so they are resenting another letter today, I have not received anything from BSI as of yet. I am in hour XXXX on hold awaiting a customer service rep for BSI to track down some information so that I can pay on my mortgage. Do I have any rights here or will there confusion cost me more money?
10/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33414	Web
I made 3 trial modification payments to XXXX. I made a 4th payment XX/XX/2016. XXXX sold the loan to BSI. I was told that BSI would honor the terms of the modification. BSI stated that they were waiting to find out who was going to pay the taxes for the home, BSI or XXXX and then we would receive the permanent modification papers in the mail. On XX/XX/2016 the representative said I would hear back from him by the end of the week about the permanent modification being mailed out and the {$30000.00} which is in escrow. The escrow account is 3 times the amount that is needed for escrow. On XX/XX/2016 I called the company to speak with the representative and he is not available. It has been over 60 days since BSI received all the paperwork from XXXX. I still have not received the permanent modification from BSI.
12/27/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 080XX	Web
Subject account was denied for a modification by XXXX XXXX. When initially applying, XXXX was denied and a letter was sent on XX/XX/2018 from XXXX stating that qualifying income would be {$2500.00} per month. We reviewed her income and saw that the initial application did not properly express what income she made and we promptly resubmitted ( on XX/XX/2018 ) with correct income - {$3300.00} monthly. We received another letter shortly after ( on XX/XX/2018 ) saying that she was denied, but did not say specifically why. I called XXXX today and they said that the investor denied her due to insufficient income. I do not feel the second application was properly reviewed. No one at XXXX has been able to further explain why she was denied, even though she is qualified and eligible for a modification.
08/10/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 93274	Web
BSI Financial has not fully answered questions, notices, requests and concerns brought up by me and my attorney. My attorney has requested several times that all sale dates for my property cease while we look into BSI 's responses to my initial concerns and that they provide proper documentation of their alleged right to foreclose. But they have not stopped foreclosure proceedings or stopped the sale date. I have brought up concerns regarding defects in the chain of title, assignment of the deed of trust with the wrong information, robo-signatures on several recorded documents, however BSI will not respond to these concerns. My attorney and I have asked that ALL foreclosure proceedings and sale dates cease until ALL MATERIAL VIOLATIONS THAT HAVE BEEN DETECTED ON ALL RECORDED DOCUMENTS BE CORRECTED.
01/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90011	Web
I 've been working with the servicer BSI Financial Services. I received a letter indicating to send payment to them I also received a call to send my payments else where. The first thing I did was sent them a validating letter to validate the debt starting on XXXX/XXXX/2015. Including the trustee XXXX. BSI Servicer did not respond to any of my letter. I sent the following letters. 1. QWR 2. Notice of default 3. 2nd Notice of default. 4. Non response. 5. default. 6. Cease and Desist. I also receive calls saying they were modifying my mortgage which never happen. BSI and XXXX XXXX trustee foreclosure on my property and sold it to a 3rd party. XXXX is the evidence of paper work. This foreclosure was an illegal foreclosure they never validated the debt nor they had the rights to foreclose on me.
11/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01757	Web
BSI Financial services is doing the same thing to me after they already violated the Consumer Financial protection act and Truth and lending act after the CFPB just settled with them. BSI improperly handled my mortgage failing to recognize we were already in loss mitigation in the process of receiving a loan modification through XXXX XXXX During the transfer my loan sat in their office for eight months. They also stole money from my account while I was making payments ( I have proof ). They did exactly the same thing they were reprimanded for, obviously not caring about its last violation. They are now beginning to foreclose on my home. When I finally signed a modification that I had to sign or they would foreclose my first bill was over 6000 dollars so I could never get ahead or caught up.
12/04/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 91360	Web
I will attach letter of complaint sent certified return recite to XXXX. I have sent several letters that have gone unanswered to XXXX. overcharging bi monthly fees, and other random fees. late payment and late fees. contract states electronic draw monthly. I have no control over this. I have never made any payment ever late. I have simply asked for the return of all {$7.00}, {$10.00}, and {$30.00} overage fees and any regarding late payments be refunded. this has gone on for several years, XXXX never replys in writing, always on phone and the people on the phone have no idea of my account. this is a collection company. My credit is perfict and i would prefer to keep it that way. I have always made extra principal payments and paid before loan was due. Thank You, XXXX XXXX
10/25/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 074XX	Web
I am writing as I received a response from XXXX .but they have not up load -ed the letter. at the time of the transferred of my loan XXXX responded that at the time of transfer and I quote.the short year history escrow statement reflected an actual bal XXXX at time of transfer end quote .this is where the problem lies with bsi financial .I received from bsi the final escrow statement showing XXXX XXXX had closed out the loan .prior to that the escrow acct was corrected add XXXX for shortage .I received a letter stating that there was no money from the transfer transfer from XXXX to bsi and was then charged a I believe either XXXX or XXXX to start the escrow accout. I would like to know where the XXXX esc -row amount went at time of transfer.i believe this is where the problem lies
11/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL XXXXX	Web
On going disputes with BSI Financial Services ( prior complaint case # : XXXX ). BSI charged me {$1200.00} for flood insurance that I already have. They even state in their letter that they received confirmation of flood insurance. I also had the same issue with the prior mortgage server XXXX XXXX. My flood insurance expires XXXX XXXX of every year so why are these companies buying flood insurance prior to expiration? Since BSI took over my mortgage XXXX XXXX, 2016, I have constant issues with them. I called them numerous times lately and the answer I now receive is that they sold the mortgage and they can not resolve any past problems. Enclosed are are two years proof of continuous flood insurance. It is apparent that BSI is abusing their customers and are getting away with it.
09/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33174	Web
On XX/XX/XXXX, my Bankruptcy Plan was approved by the judge. However, have been making payments to servicer since XXXX. See case no. XXXX District of Florida XXXX. Although i have been making payments since XXXX and not in default, XXXX has not dismissed the foreclosure action in the state court for XXXX County, Florida. Court Case No. XXXX. XXXX can not maintain the legal action when the debtor is making timely payments and the servicer is receiving payment and applying to the account on an monthly basis. The servicer must dismissed the legal action because the account is current prior to and after the approved Chapter XXXX plan, signed by judge. Again, XXXX CAN NOT MAINTAIN A LEGAL ACTION WHEN THE ACCOUNT IS BEING PAID IN A TIMELY MANNER AND NOT IN IMMINENT DEFAULT. GET IT?
02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33186	Web
After reaching a payment agreement with XXXX XXXX XXXX, this company continued to report the acount 180 days late when the payment on the agreement were made on time during the months of XXXX, and XX/XX/XXXX and XXXX, XXXX, XXXX, XX/XX/XXXX. This wrong reporting is causing issues trying to refinance the mortgage on the loan to get better rates. They also are reporting a wrong balance in the loan that they have acknowledged is {$170000.00}. In my credit report is showing more than {$220000.00}. I have written many letters to them trying to resolve the issue and they stay doing nothing in this regards. I demand that the months previously referred need to shown as pay as agree to honored the enclosed payment agreement and a correct balance of {$170000.00} needs to be corrected.
09/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60643	Web
I refinanced a mortgage with BSI Financial on XX/XX/2018. Prior to closing, they received a copy of my updated homeowner 's insurance along with an invoice. The total ( {$850.00} ) was paid from proceeds from the closing, and listed as a line item on the closing statement. A few months later I began receiving letters that I did not have homeowner 's insurance and the lender would purchase forced place insurance. I called a few times and was told a ) uploading it online wouldn't work, b ) the insurance from closing must not have gotten to the correct department at BSI c ) they would contact my homeowner 's insurance company and all would be fine. Today I receive a letter that BSI has purchase forced place insurance and they are billing me for {$870.00}!! This is FRAUD.
01/12/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 34771	Web
I have a loan that was transferred to BSI Financial in XXXX 2015 ... In XXXX I called and spoke to them as my taxes were due and faxed them the tax bill per their instructions so the bill would be paid on time. It is now XXXX and my taxes still have not been paid.. Also I sent my XXXX payment on XXXX/XXXX/2015 through by bank bill pay and they still have not cleared my check. In XXXX they cashed it with in 2 business days but this month have not. If you read online about this company all the horror stories are about taxes/insurance not being paid and lapsing and not cashing payments and then turning around and collecting late penalty charges. I also lost out on my tax deduction for my property taxes for 2015 since they were not paid in 2015 harming me on my deductions.
02/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92336	Web
I have been trying to get a loan modification for over 2 years from my lender BSI Financial. They routinely turn me down for a loan modification for reasons that are false, ( this last time they said that I only make XXXX a month and that is not enough, but in reality I make over XXXX a month ). They never return my phone calls and I had to file chapter XXXX a year ago to keep them from selling my house out from underneath me. Until XXXX I was paying the Chapter XXXX trustee over XXXX a month and my loan payment of XXXX to BSI. But I have not paid them since XXXX but have stayed current on my payments to the Trustee. I have found thousands of consumer complaints about them and they have done everything possible to get me out of my house. Please help me keep my home
07/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 708XX	Web	Older American, Servicemember
XXXX XXXX XXXX is the company, i have paid XXXX dollars on a XXXX dollar loan. after 18 years of payments they are trying to foreclose on my home..they will now even talk to me about my load ... .i hve file complaints in XXXX and XXXX the frist company was XXXX/XXXX XXXX XXXX ... for perdatory lending.. my rates was XXXX then in the year XXXX it was handed over to XXXXXXXX XXXX XXXX XXXX. then in XXXX it was handed to XXXX XXXX XXXX 1 i have maid all of my payments but they are trying to forclose on my home ... please i need help to keep these people from talking me home. i am XXXX yeare old been married for 40 years, my health is not good was told i have XXXXXXXX XXXX ... about three weeks ago.. and i am a veteran i do not want to be homeless.. XXXX bless,
01/26/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48067	Web	Older American
BSI Financial, my loan services, notified me in XXXX, XXXX about a change in my escrow servicing. They figured my taxes wrong, by nearly {$650.00}. I notified them immediately about their error, with paperwork from my city clerk. The process to straighten out this error has taken over 6 months. Over those months, I continued making my regular mortgage payment of {$800.00} ( vs their suggested payment of {$730.00} based on their escrow analysis ) They notified me of a mortgage shortage of {$410.00} in XXXX XXXX. Which I paid. The amount they are now saying is due is {$840.00}. None of this adds up. They are selling my loan, effective XXXX XXXX. I want the new servicing company to get a clean, well calculated escrow amount and I am highly doubtful this will happen.
04/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA XXXXX	Web
I applied for a loan modification through BSI in XXXX. Ileft several messages with BSI including messages to my accountspecialist and the account manager. No one will return my calls! When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. BSI will not acknowledge receipt of my application. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. I have several fax confirmations confirming the package wasrepeatedly sent. I have also been making my payments but BSIrefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because BSI refused to communicate with me.
04/13/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 93030	Web
MY MORTGAGE LOAN HAS HAD XXXX DIFFERENT SERVICERS IN ABOUT A ONE MONTH TIME FRAME. BECAUSE OF THIS, SERIOUS ERRORS WERE MADE WITH MY REQUEST FOR MORTGAGE ASSISTANCE. I HAD INITIALLY APPLIED FOR MORTGAGE ASSISTANCE WHEN MY SERVICER WAS XXXX. MY FILE WAS IN REVIEW. ON XXXX/XXXX/2015 MY LOAN WAS TRANSFERRED TO XXXX XXXX. XXXX DID NOT TRANSFER MY MORTGAGE ASSISTANCE DOCUMENTS. A FEW DAYS LATER, MY LOAN WAS TRANSFERRED AGAIN TO BSI FINANCIAL. ONCE AGAIN MY MORTGAGE ASSISTANCE DOCUMENTS WERE NOT TRANSFERRED. BSI FINANCIAL WAS INFORMED THAT THERE WAS A COMPLETED PACKAGE FOR MORTGAGE ASSISTANCE. BSI PREFERS TO IGNORE THIS FACT. NO DECISION WAS MADE ON MY REQUEST FOR ASSISTANCE. IF MY REQUEST WAS DENIED, I WAS NOT PROVIDED A 30 DAY RIGHT TO APPEAL.
08/24/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA XXXXX	Web	Older American, Servicemember
I'm a XXXX XXXX XXXX US Veteran, i have a VA loan on my home, the servicing companies keep changing now i have some company called XXXX XXXX XXXX from XXXX with offices in USA. Today i got a letter telling me that i must now pay over $ 8,000.00++++ as they now say they forgot that i have no escrow account? I have never ever had any escrow accounts ever. I pay my own taxes and insurance. They then tell me they no longer want to do that and now I must pay this money directly to them or lose my HOME? This is some sort of fraud and shake down in the nearly 10 years in my home i have never ever had any escrow impound account, i pay all my self and have never ever missed any payments. It appears to major fraud against both the VA and me
12/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 234XX	Web	Servicemember
BSI servicing company keeps harrassing me with threats to report my account to credit bureaus and tacking on late fees for a payment they have already received by failed to apply. Please see all attached evidence, statements, and copies of checks cashed. i have emailed and called them several times to remedy this, however their customer service representatives simply have no answers and offer no solutions. My grace period is the XXXX of the each month, my payment is {$110.00} and I always round up to {$110.00}, and I have never had a late payment in my LIFE! I am sick of being harrassed by phone calls from BSI EVERY day ( 3-5 times per day ), EVERY MONTH from the XXXX to the XXXX of the month when I have never paid late! BSI acct #
03/30/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 201XX	Web
My name is XXXX XXXX, ( XXXX ) XXXX I Just finished Chapter XXXX a few months ago, The servicer sold my mortgaged to another servicer, I have proof of all payments made in the past 5 years, the new servicer says I, m behind 22 payments and {$79000.00} and wont except my monthly payment unless I pay the {$79000.00}! 5 payments I've made to them has cleared my bank and not applied. The XX/XX/XXXXpayment was returned with letter they cant except without me paying the {$79000.00} They say they have referred account to attorney for legal action. Servicers : # 1 XXXX XXXX XXXX XXXX XXXX XXXX, PA. ( XXXX ) XXXX Account # XXXX # 2 New Servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX ( XXXX ) XXXX Account # XXXX. Thank you
10/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08053	Web
I have been trying DESPERATELY to obtain a mortgage modificationfrom BSI / XXXX XXXX XXXX, I have been LIED to misled, treated rudely, and continueously misinformed about the process needed to save myhome. I have hired a consultant to help me thru this process and theyhave received the same treatment, I was made to use my 2 two weekextensions to try to make it thru this process but this company hasfought me every step of the way, I am asking you PLEASE for someassistance in this matter My family and I are at our wits end, if you re-view this matter I am confident that you will see that this process hasbeen TOTALLY Flawed, My home is due to go to sheriff sale XX/XX/2015 and we ask that this receive your immediate Attention
06/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90291	Web
I have a mortgage with BSI Financial. Numerous times I have requested a loan modification. Several times I was in foreclosure and borrowed money to bring my loan current. Now I am in foreclosure again. I was forced to file a Bankruptcy last time in order to keep my house. Numerous times I send the qualify written request and no replies. My accounted has called the BSI everyday for the last week requesting a payoff statement. No payoff statement yet. Every time my accounted calls they inform him to leave a message for a person named XXXX XXXX who never once returned a phone call and or even replies to emails send from customer service. All I can say they are the worst servicing company. They are going to cost me my house.
02/08/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21042	Web
1. Lender has grossly mismanaged escrow account. Home was sold in a tax sale on XXXX occasions with most recent tax sale XXXX XXXX, XXXX whereas I had to pay the attorney fee of {$860.00} so that the lender could be permitted to pay the Maryland XXXX XXXX taxes which can not be paid until the attorney fee is paid which is why I paid the {$860.00}. 2. Lender since XXXX, has failed to provide any yearly accounting for escrow account/disbursements nor has the lender provided monthly statements. 3. Lender has failed to accurately provide XXXX statements reflecting correct interest paid during a particular year. 4. Lender has failed to reflect accurate mortgage balances because I receive no monthly statements.
09/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32773	Web
This is my XXXX complaint for BSI Financial. Per my previous complaint BSI stated my hazard insurance was n't supposed to be in escrow. They corrected that with my previous complaint, and now my hazard insurance and taxes are now in escrow. They are now charging me a monthly escrow amount of {$120.00} for my tax and insurance which is understandable, however they are also charging me a additional monthly shortage of {$190.00}. When I called into BSI Financial I was advised by XXXX XXXX that it is a " cushion ''. I would like to know why I am being charged an additional {$2300.00} as a " cushion '' for my taxes and and hazard insurance when my and taxes and hazard insurance only total {$1500.00} for the year.
11/10/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20774	Web
This is my 3rd complaint against this same " mortgage company '' I 've been trying to get this mortgage to honor the agreement that I had with XXXX XXXX XXXX for 2 years now. I mailed a certified letter on XX/XX/XXXX signed on XX/XX/XXXX to BSI Financial for the following documents to be sent to me. As of XXXX. I have not received ANY documents. The documents that I requested were my Hud-1 Settlement Statement, Copy of the Promissory Note, Deed of Trust, XXXX Uniform Loan Application, Truth in Lending Disclosure, Good Faith Estimate, Copy of XXXX ( XX/XX/XXXX ) ; Copy of tax credit, Copy of PMI/Title Policy. If this company is a legitimate company providing the requested documents should n't be a problem.
10/15/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98409	Web	Older American
In XXXX of XXXX we sent in a letter requesting hardship due to XXXX medical bills. Our mortgage was instantly sold to BSI financial. Our XXXX statement from BSI shows a fee of {$120.00} with no explaination. Also a 90 day insurance binder of {$1200.00} was added to our mortgage even though the previous servicer paid our home owners insurance out of escrow on XXXX XXXX, XXXX. They are giving us no answers and will not tell us if our insurance declaration has been received. Also upon calling them regarding the insurance they say they do not have our account even though they sent us the letter. I feel they know our hardship and are trying to raise or mortgage payment thru escrow manipulation so we default.
03/23/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94526	Web
Regarding real property located at XXXX XXXX XXXX, XXXX, CA XXXX, my principal residence, the mortgage servicer refuses to provide a monthly statement with payments, interest and loan balance information as required by federal and state law, Further more, refuses to provide an XXXX Interest Statement for 2016, finally, stated by phone today, there are no payments posted for 2016. This latter is a violation of the Confirmed Plan through XXXX District Bankruptcy Division of California, federal court, to which BSI was a creditor and in agreement with the terms of the plan without objection. The loan is being sold to XXXX XXXX , XXXX out of XXXX, they have advised to get my documentation from BSI Financial.
05/22/2018	Yes	Mortgage VA mortgage	Trouble during payment process	GA 30016	Web	Servicemember
My homeowners insurance was originally due in XXXX. I received notice XX/XX/XXXX from XXXX XXXX that the policy has yet to be paid by our mortgage account with XXXX XXXX. We have sufficient funds in escrow to pay this policy. The insurance company has been in constant contact with XXXX and they have been told numerous times that the payment would be sent overnight but it has yet to be done. The insurance has extended the due date til XX/XX/XXXX for this to be paid to protect myself, the homeowner. I need help to get the mortgage company to pay this payment out of my escrow account like they are supposed to. Dates of contact ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
10/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55369	Web
Working a short sale for XXXX of our clients. File was submitted to the jr. lien holder on XXXX. On XXXX we received XXXX lien approval in which the approval letter expires on XXXX. There has been no contact to the law firm from BSI except for a couple of occasions. On XXXX BSI was informed that the XXXX lien approval letter expires on XXXX. On XXXX BSI was contacted for an update - no updates were made to the file. On XXXX was advised that the file was submitted to the investor for approval and to allow 10 business days for the approval letter to be received. As of today XXXX we still have had no contact from BSI to the approval and not approval letter has been received. This is unacceptable.
03/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92337	Web
This is in addition to the dispute date XXXX/XXXX/2016. After reviewing all the attached documents that were sent over from BSI I realize even more how vindictive these people are. Half of the documents from XXXX XXXX XXXX were never received by us. Any time we were asked for more information/documents, it was faxed within in 24 hours. Also, the statement about not making the trial payments was because of filing a chapter XXXX which halted the whole process causing us to have to re file for modification. As ive said before. These people lie and hold back important information to make what their doing look ok. So glad someone has finally started a class action law suit against this company.
09/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19134	Web	Older American
Sherriff Sale was on XXXX/XXXX/2015. Financial package requesting loan modification was submitted on XXXX 2015, Sherriff Sale was postponed to XXXX/XXXX/2015. Document requested on XXXX 2015 were submitted, contact with the special contact person on XXXX confirmed they had everything needed and case was on review. No mail or phone call since then, now its XXXX/XXXX/2015, after several ph calls, to no avail, requested to speak to customer service. This Department explains that the special contact person is the only one that can discuss this case. That the last Notes on the case were when docs were received on XXXX and case was sent to review. Sherriff sale still schedule for XXXX/XXXX/2015.
07/24/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33177	Web	Older American, Servicemember
First, I do not know who is BSI and had no business association with that bank or company, but called my home several occasions asking for my address and the condition of my house. So I to sent them a debt validation letter, no response, and likewise QWR no response. Yet keep sending Mortgage Statment with some ridiculous and extravagant sum which was paid off. The balance was {$28000.00}, XXXX received a grant in my name for {$18000.00}, plus I had paid XXXX for 5-years {$520.00} per month = {$31000.00} + {$18000.00} grant= XXXX. Enclosed with BSI Mortgage statement. When I filed Chapter XXXX Bankruptcy BSI was not on the creditor list but they appeared at the hearing as a creditor.
08/16/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CO 80401	Web	Older American
Effective XXXX/XXXX/16, XXXX XXXX XXXX XXXX XXXX XXXX ) sold my mortgage to BSI Financial Services.I made my XXXX 2016 payment of {$880.00} to XXXX and they notified me that my loan adjusted effective XXXX/XXXX/16 to 3.50 % and the new payment would be {$980.00}. As of XXXX/XXXX/16 BSI is charging me {$1500.00} ( with the 3.50 % adjusted rate ). I have contacted XXXX who said that the {$980.00} amount is correct. I have contacted BSI repeatedly and they said that they are working on the paperwork and the correct loan payment amount. My concern is that I will be charged late fees and that the interest rate will change. Today is XXXX/XXXX/16 and BSI has still not resolved this issue.
11/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60629	Web
My mortgage was previously owned by XXXX XXXX. It was purchased by XXXX XXXX, managed by BSI Financial. They have been mismanaging my escrow, refusing to speak with me, and has placed my home in foreclosure for funds they say i owe but refuse to provide an eexplainaction of their findings. I have submitted proof of payments and they still are pursuing my home. I am currently under the Hamp program and have not defaulted on it..I have been harassed since BSI Financial took management of my loan ... They purchased insurance on top proof of insurance already active.. I am currently in a bankruptcy and the stay has been lifted due to inaccurate information submitted to the courts ...
06/26/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 08755	Web
My second mortgage with BSI Financial Services was transferred to XXXX Mortgage. This debt was discharged in my Chapter XXXX bankruptcy in XXXX. BSI has it listed twice on my XXXX report ( attached ). They have correctly listed it as " Bankruptcy Chapter XXXX '' on the first listing..but on the duplicate they show " 120 days past due '' and show XXXX late payments of 150 days late or greater from XXXX of XXXX through XXXX of XXXX. This is two years AFTER the debt was discharged in bankruptcy. I have already disputed this with XXXX and they left the item on the file. This is a violation of the Fair Credit Reporting Act AND the stay provided by my Chapter XXXX bankruptcy in XXXX.
09/01/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA XXXXX	Web	Older American, Servicemember
My home is a VA backed mortgage and the new servicing company is called XXXX XXXX XXXX, in the past two months they have committed fraud, theft, lied, attempted to use my name to obtain and change my Insurance Policies, attempted to extort cash from me. They have lied numerous times all documented on a Gov recorded phones and to my Insurance company. They have been misleading me a XXXX Veteran and attempting to extort fund from me illegally. They have on now several occasions false called people using my name to obtain personal and private data in an attempt to defraud me and the US Gov is a Mortgage fraud scam. I urgently request a Criminal Investigation commence at once
01/11/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08046	Web
I refinanced my mortgage with BSI Financial and they keep adding additional cost added to my bill that BSI financial wo n't explain what they are. I was told that my attorney would explain it to me. I have called on different occasions. I have been told different excuses but no explanation. This is the fourth time I have experienced this. What are they doing " Loan sharking '' thinking folks are XXXX or are they trying to bring on a late platform to keep reporting late payments so you ca n't rid yourself of them by refinancing? They are constantly reporting my payments as late since this refinance has taking place. The additional fees are giving them the opportunity to do this.
04/24/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95843	Web
My name is XXXX XXXX an d BSI Financial ha s been my loan servicers since XXXX 2016, and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very stressful and nerve wracking. Since last year we 've requested loan modification from BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only wishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only XXXX square feet.
09/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 960XX	Web	Older American
My bank ( XXXX XXXX XXXX XXXX ) sent my mortgage payment to XXXX previous loan servicers. A third servicer ( the correct XXXX ) BSI Financial Services, was finally paid on time, but one of the incorrect payments was lost and never returned ( {$1000.00} ). One of the incorrect payments was returned because my bank stopped payment on the check. The second incorrect payment was made through billpay and the payee claims they forwarded the funds to BSI Financial Services. BSI claims not to have received the funds. I asked my bank to investigate but they were unable or unwilling to follow through. So, I am out {$1000.00} and all parties to the problem are unwilling to help me.
01/26/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07920	Web
Hi We got sold into XXXX subprime mortgage marketing and we got stuck with the mortgage. Our current mortgage got sold into a trust serviced by BSI. I recently lost my job and BSI threaten to foreclose and kick my ( primary ) family out of the house. We asked for loan modification and we got the worst deal ever. Our rate went higher before, the monthly payment more than before and the term of the loan went from 30 to 40 years. Moreover, BSI filed the foreclosure and we are incurring lawyer 's fee. We have requested to work out a forbearance for 3 months until I can land on my feet. BSI refused and want to proceed with the foreclosure. We are desperately in need for help!
08/27/2018	Yes	Debt collection Mortgage debt	Communication tactics Called before 8am or after 9pm	GA 30331	Web
Company called after XXXX ( 15 USCS 1692 ) to collect debt and frequently calls multiple times everyday. Additionally, company has illegally tacked on late fees to this account EVERY MONTH it has been open despite having checks DATED AND MAILED directly from my bank prior to the end of the grace period and intentionally posting them to my account as LATE for MULTIPLE accounts resulting in THOUSANDS of DOLLARS in EXTRA Profits. Company also purchased EXTRA INSURANCE on my property ( although a policy has been in place for over a year ) and is trying to bill me for the cost of the insurance the purchased although the current policy meets their requirements.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 070XX	Web
Spoke with XXXX at Bsi financial on multiple occasions about credit reporting and my payments being reported as late when they were on time when XXXX reported that it would be reported correctly when my modification was finalized. After my modification was finalized and payments were made on time I made multiple calls to get this fixed. To no resolution. Even after modification was finalized they continued to report my payments as not on time and have failed to correct that within a timely fashion. I have been dealing with this issue on both end since XX/XX/2018. I have never received a written response and received maybe two phone calls in reference to this
09/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 109XX	Web
I am so frustrated. I am also very desperate. I am loosing my home. I am a single parent after loosing my husband to XXXX. He left me with XXXX kids. I had to get jobs, not a job but jobs to sustained my children. I struggle on a daily basis to put food on the table. All I am asking is for Bsi to please consider my request .I need a roof over our heads. This is the only thing both of my kids have to connect to their father. Bsi has refused to review my file and consider my request .Now my home is also worth a lot less than when we bought it. I would not be able to live with myself if I did not fight to keep our home. Please response as soon as possible.
01/19/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	XXXXX	Web
I successfully completed my Chapter XXXX bankruptcy and the discharge was sent to BSI by the court, my attorney and myself by USPS and fax. They claim to have not received it, have not cashed the final payment from the BK court and are refusing my payments because they state I am still in BK. Wait times are ex- cessive, employees are rude, calls are not returned and they are great at dumping you into emails that have no contact information and nothing is getting done. This is placing my 'fresh start ' after BK in serious jeopardy and I am beyond panicked at the thought of this ruining my future when I am clearly trying to do the right thing.
04/30/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MA 02301	Web
Attorney XXXX, XXXX, XXXX XXXX representing XXXX XXXX XXXX/BSI Financial Services has file a Servicemen Civil Relief Act Complaint to proceed to the foreclosure sale of my home located at XXXX XXXX XXXX, XXXX, MA XXXX. The entity does not have the right to foreclose on my property. In a letter sent to the company in XXXX 2015 at BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX I requested the company to provide evidence that the company has a lawful and rightful claim against my home. No answers were provided. The company 's action violates consumer finance protection laws that the Bureau was created for.
06/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 961XX	Web
Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on XXXX.
12/17/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	NJ 087XX	Web
My sister defaulted on a mortgage I helped her get I moved in with my new family she chose not to get a roommate milked the system for years and now I 'm in debt ... I just want to do deed of leiu so I can buy my family if XXXX a home and XXXX XXXX XXXX jerked me around after applying for their large lawsuit! Then shady transferred my account knowing I wanted to save the home and my credit yet still gave me to bsi financial in which I 've submitted XXXX loan mods to no avail!!! All I want is money to move into a new home w my family of XXXX and give this home up debt free! Nobody is cooperating! Please help us XXXX or XXXX XXXX
02/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30215	Web
My mortgage loan ( Fixed loan ) was transfer to another bank ( XXXX to BSI Financial ), and this month my mortgage payment went up from {$1300.00} to {$1700.00}. When I called BSI, they told me that when they got the loan, it had a negative escrow balance of {$1200.00}, and when they paid the taxes and insurance my escrow was negative over {$4500.00}. Now my question is, where is all the escrow money I paid to XXXX? My mortgage payment is going up more than {$400.00} just got the transfer of the loan ... this will affect my finances big time. I need help dealing with this ... my escrow money have to be somewhere!! Please help.
01/02/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02176	Web
I have been working with a realtor over the past several months specicialy 12 months. This realtor has done a horrible job and really did NOTHING to help me with this short sale. I totally mislead me into believing that he was actually working for me. He was never able to actually get a legitimate buyer and able to get the bank to work with us to complete the short sale. Now I have an attorney and a new realtor ; helping me get thru this process. I have an offer that I am going to accept and submit to BSI financial. I would ask that BSI stop the sale and allow me additional time to effectuate this sale and avoid foreclosure.
02/16/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 32205	Web
On or XX/XX/2015, I returned a " required '' ACH consent for a loan repayment, my loan was purchased by BSI Financial from XXXX XXXX. I have NOT chosen to do business with this company, I have filed a complaint once already for this company for not applying payment correctly. I am again getting statements that I am delinquent on my XX/XX/XXXX payment, which should have started via ACH for the XX/XX/XXXX 's payment. Their statements are showing an incorrect address for the loan. They are showing my personal residence, I have a mortgage with my credit union. This " SLOPPY '' work is what takes advantage of XXXX!
08/12/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89128	Web
I had a XXXX loan and it has been passed through hands many times. At this point BSI Financial Services has my paper. There is an agent that has been recently assigned to my case and he sent out an independent contractor to put a padlock on my front door without any due process. I have a tenant in the home and he can not get inside. BSI financial services whom I have been in discussions will not return my calls and I have not been served any documents to substantiate their actions. I was in negotiations with BSI to arrange a cash for keys or a possible restructuring of my loan and they will not return my calls.
06/01/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92821	Web
I applied for assistance through Keep your home California X/XX/2017 . I was approved for the program and was advised that all of the required documents have been received. Keep your home California has confirmed that they have submitted the assistance packet to my lend er BSI Financial Services. I have called BSI on many occasions to confirm the status on my application, and they have been unable to confirm receipt of the application or any other information as to time-frame or status. I request that BSI provide me status of the KYHC application and resolve this issue promptly. KYHC ID # XXXX
02/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WI 53208	Web
In XXXX I sign up for a home modification with B.S.I. I was put down as a denied, I ask why? they told me I was a fraud. I ask what make me a fraud. they said I did n't sent all my paperwork.I told them, that not a fraud. I resign up three time sent all my paperwork only to be told we never got it. each time. I was told that. XXXX my status has changed my daughter live with me now, still trying to get modification..me and my advocate sent a update package, only to be told we do n't have it, and we are not going to review you.I have been here three 25yrs. and work 33 yrs. Iam retired now.
04/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60653	Web
XXXX XXXX failed to make the payment to my homeowners insurance company. They lied about making the payment and when it was sent out.They have increased my mortgage payment substantially twice, within 2 months, with no notice or explanation. Calls to customer service result in representatives telling me I will receive something in the mail or that my account has not yet been updated to display the accurate disclosures. XXXX has not properly disclosed its practices as required by the regulations and is making misleading statements to conceal its practices, resulting in consumer harm.
12/08/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 28411	Web
I have a loan account with BSI Financial. My account includes escrow for taxes and insurance. I have contacted them at least 10 times by both email and phone since XXXX trying to get them to pay the county taxes that were due in XXXX. They have yet to act, and I have no where else to turn since they will not pay the bills. I tried to cancel my escrow so I can pay the bills myself, but they denied the request since my loan is less than two years old. I need assistance getting my tax bills paid, in which there is more than sufficient funds in escrow to cover. Account number is XXXX.
05/18/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92883	Web	Older American
XXXX is blantantly lying that they did not receive appeal letter. I am enclosing copies of email I sent to SPOC on XXXX/XXXX/16 regarding I am appealing this and to send me any forms needed. Since he never responded I sent my letter which was not expressing I want to appeal. IT STATED I WAS APPEALING and the reasons why. BSI is trying to play a game and this is infuriating with their lies. XXXX XXXX XXXX XXXX received a Cashiers Check for XXXX so their telling me I owe XXXX from them is a lie as well. They released lien when paid in full!! I will send copy of cashiers check as well
08/29/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 970XX	Web	Older American
BSI Financial Services, as purported agent for XXXX solely in its capacity as Separate Trustee of XXXX XXXX XXXX, is attempting a non-judicial foreclosure action with a sale date scheduled for XXXX XXXX, 2016. However, BSI is not the agent for the true owner of the loan. In addition XXXX XXXX XXXX, XXXX XXXX, XXXX and the XXXX XXXX XXXX are not the owners of the loan nor are they agents of the true owner of the loan. This non-judicial foreclosure is being wrongfully attempted by a party that is not being transparent as required by Oregon state non-judicial foreclosure laws.
06/09/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94015	Web
Dear Sir/Madam : Urgent please. We have an ongoing short sale on our property, but morgage servicer has a Trustee Sale put in place on Friday, XXXX/XXXX/15 TS # XXXX, XXXX. This was an issue of Dual Tracking because we have BSI ( XXXX lienholder ) email communication of minimum acceptable price of $ 750K and XXXX XXXX ( XXXX lienholder ) approval, plus buyer 's ratified purchase offer of $ 780K contract with proof of financing. I have attached all documentations. Hoping for your kind and prompt assistance to this matter so we can save our home. Thank you very much.
12/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WY 82007	Web	Servicemember
Dear Director Of Operations, I agreed for a Deed In Lieu arrangement and was promised $ XXXX for moving assistance. Now 90 days has passed with-out any update or payment. Still I request for the FTC and CFPB to start a investigation on this firm : XXXX XXXX. I am requesting the payment be sent to me via USPS with a tracking method. Nationally a deed in lieu ends after 90 days. At the moment, I feel they aren't fulfilling their promise to pay. The forms and keys have all been given to XXXX XXXX. I must insist they honor the promise of payment as soon as possible.
01/07/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 945XX	Web	Older American
In XX/XX/XXXX, BSI Financial obtained my loan from XXXX. I 've been trying to get a detailed explanation of the charges of Principal, Interest, Charges, Fees and Penalties in a month-by-month breakdown since XX/XX/XXXX. All I receive are " Payment Histories '' and " Reinstatement Quotes ''. I feel my account has been shuffled from XXXX XXXX XXXX XXXX XXXX to BSI because none want to come to a reasonable agreement with me, and continue to add more and more charges and fees to my account. Please see the attached letter : Exhibits will follow by USPS.
05/27/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92337	Web
XXXX15RE ; BSI FINANCIAL - LOAN # XXXXPlease help me BSI financial has been giving me misleading information regarding the HAFA Short Sale request over 3 weeks ago, now they are refusing to take my calls and they have a placed a foreclosure sale date without any notification for XX/XX/2015. I have provided every single document requested by them and now they are refusing to take my call. Please help me since I have done everything to avoid foreclosure and it is not fair that they are doing this to me and my family. Please help meXXXX XXXX
05/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08046	Web
Filed a complaint against BSI XXXX 2016. Sent my payment in on XXXX XXXX, 2016, they alleged it did n't arrive until XXXX XXXX, 2016. I feel as though I am being penalizing for complaining. It does n't take 5 business days to post. Either someone held the payment or did n't check the XXXX XXXX on the XXXX. Secondly, I want to a full explanation of the {$350.00} fee charged to my account ( XXXX ) that they refuse to explain. I also want a full refund based on the reply given for the prior complaint. I do n't want a credit, I want refund.
04/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 983XX	Web	Older American
Six months ago I submitted an application for a loan modification after I had XXXX problems and XXXX renters who gravely violated the lease with not paying their rent, leaving debris and garbage all over the yard, inviting other folks to live with them, bringing in a trailer for even more people to live in, growing drugs and destroyed the electric meter by trying to slow it down. Spending over three months and expensive attorney bills to get them out, another month to clean and repair, replace appliances and find new tenants.
10/23/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	AR 72120	Web	Servicemember
I filed for bankruptcy and the day after filing was granted a loan modification. I paid mortgage outside of bankruptcy. When the bankruptcy was completed. I found that I was behind on payments but I had not missed any payments. I gathered the info to prove I had paid at least minimal payments but was still behind. Bankruptcy court was satisfied and case was discharged but I have several payments that were not credited to my account. Now I can not get anyone from the 4 different servicers to discuss this with me.
06/29/2018	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	MS 386XX	Web
The representative ( XXXX ) stated that she could not speak to me about my account unless I provided the last 4 digits of my social security number. This practice is inconsistent with request made by the representative who had just transferred my to the representative ( XXXX ). I had already provided my full name, property address, and account number, but the representative refused to move forward. This is keeping my account in delinquency longer and is making it difficult for me to resolve the matter.
12/23/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	NC 27502	Web
My Mortgage discharged in bankruptcy in NY and after that was discharged BSI Financial obtained the mortgage from XXXX and then began attempting to collect on the mortgage from me. I went through a Deed in Lieu with BSI so it they could register the deed in XXXX NY, which they did in XX/XX/2016. BSI is falsely reporting the mortgage as defaulted with a balance due in my name to the credit agencies. I have contacted them numerous times to have this reporting corrected, however they still have not done so.
06/29/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33569	Web
We filed for Bankruptcy XXXX in 2011, to save our home from going into foreclosure. We also went through a State program and was approved for {$24000.00} to help pay down our loan. A bankruptcy Judge added a court order for the bank to accept the money and the bank did not. I have all the paperwork. My complaint is the bank has inflated our loan and is now trying to foreclose on our home. I look forward to talking with you and sending any information you may need to proceed. Thank You, XXXX XXXX
12/14/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CA 945XX	Web	Older American
I made a timely payment electronically to BSI Financial. I received a notice that the payment had been scheduled. The payment did not get processed. I emailed and then called BSI to find out what the problem is. They can provide me no explanation for why my payment will not process, they can not locate a supervisor to talk with me and they will not provide me the information of the government agency they are accountable to. How can I get BSI Financial to properly process my on line loan payments?
11/18/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL XXXXX	Web	Servicemember
BSI Financial abused our fiduciary relationship and manage my escrow account badly. More than twice over the last three years BSI has paid insurance after the expired date more than two times. I get mortgage adjustment that vary with huge gaps for example {$1200.00} to {$1700.00}. Often, I call BSI customer service and their answers are given as if there is no shared resource information that tracks properties connected to the account, the number of insurances and taxes to be disbursed, etc.
09/23/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 945XX	Web
I filed a complaint with you ( the CFPB ) and my Servicer ( BSI FINANCIAL, AKA ; Servis One Inc ) no longer talks to me. BSI are very rude and tell me that since I have complaint to consumer Financial bureau, I have to speak to their attorney. They will not give me any status update. I Sent them a RSPA request and they have completely ignored it and refused to comply. I filed for a modification and they are not giving me any status update. They are pushing a foreclosure on XXXX XXXX, 2015.
07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 228XX	Web	Older American, Servicemember
mortgage service company ( BSI Financial Services ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact BSI 's loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.
02/06/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44128	Web	Older American
During the sub-prime lending crises, I refinance my mortgage which added XXXX to a XXXX mortgage. I paid XXXX approximately {$170000.00} over 15 yrs. They sold my mortgage to another mortgage servicing company ( XXXX ) in XX/XX/XXXX who then collected over XXXX. XXXX then sold my mortgage to another mortgage co., who are now set to collect another XXXX under an ARM set to balloon in a couple of years with a maturity date in XX/XX/XXXX. How is it that I'm paying 5x the value of my home?
11/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92337	Web
I have previously submitted a complaint with you guys. XXXX. We have now been forced to short sell our home. Its on the market and has n't even been released from our bankruptcy as of yet. We are seeking legal help and trying to seek help from every agency we can. My husband and I are begging you guys to please look in to all the complaints this company has against them for the same reasons. Please review our former complaint filed with you guys. We need help ASAP. XXXX and XXXX XXXX
11/30/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 074XX	Web
I am tired of trying to find out the actual pay on my mortage wi -th bsi .I have been paying the escrow shortage for 1 year. however bsi has not informed me as to when I will be finished with paying the escrow shortage.what I do n't understand is why they are so lax in informing me as to when I would be done paying for the shortage. according to XXXX it was for 1 year yet I have not received anything from bsi as to a recalculation of my mortgage payment. I would like to know why?
10/02/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 93306	Web
ATTACHED ARE XXXX LETTERS DATED XXXX XXXX, 2015 FROM MY SERVICER - BSI. THE LETTERS ACKNOWLEDGE RECEIPT OF " ADDITIONAL DOCUMENTS FOR YOUR APPLICATION TO OBTAIN A MODIFICATION. '' IN THE XXXX LETTER BSI MAKES THE STATEMENT " WE ARE NOT AWARE OF ANY DEFICIENCIES. '' BSI FURTHER INDICATES THAT A DETERMINATION WILL BE MADE WITHIN 30 DAYS. BSI HAS ALSO SCHEDULED A FORECLOSURE SALE DATE FOR XXXX XXXX, 2015. BSI IS ENGAGED IN DUAL TRACKING AND THIS IS EXPRESSLY PROHIBITED IN CALIFORNIA.
10/22/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 75040	Web
I received a notice of intent to collect a debt from BSI Financial Services and when I mailed my dispute along with my debt validation, and qualified written request they refused to comply. They keep sending me payoff letters stating they are attempting to collect a debt. I requested them to validate the debt which they have n't done. They have only responded with letters stating they are attempting to collect a debt. I have attached copies of the letters sent to their company.
01/04/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ XXXXX	Web	Servicemember
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Escrow Disbursement Clearing, XXXX XXXX XXXX XXXX, XXXX, PA XXXX ; check # XXXX ; dated : XX/X/2012 for {$7600.00} drawn upon XXXX XXXX XXXX XXXX was denied. BAD CHECK : I have written the company regarding the check that was denied by my bank for a replacement. The company refuses to replace the check claiming that it was cashed. I requested a copy of the cashed check showing my signature and XXXX XXXX XXXX refuses to provide one.
01/09/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07083	Web
I HAVE SUBMITTED A MODIFICATION REQUEST TO MY SERVICER BSI ON XX/XX/2016 AND HAVE CONFIRMED RECEIVED ON XX/XX/2016. THE REPRESENTATIVE THAT IS ASSIGNED TO THE FILE IS XXXX XXXX WHICH HAS BEEN ASSIGNED SINCE XX/XX/2016 AND HAS NOT PLACED ONE CALL NOR HAVE REVIEWED THE FILE ONCE. THERE ARE NO NOTES PLACED ON THE FILE BY MY ASSIGNED REPRESENTATIVE EVEN THOUGH I HAVE BEEN CALLING TO MAKE SURE THE FILE IS MOVING FORWARD NO CALL BACKS NO MOVEMENT, THIS IS NOT ACCEPTABLE.
05/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 38632	Web
On XX/XX/18 I sent a certified letter to BSI Financial to the attention of XXXX XXXX XXXX XXXXt. with supporting documentation questioning the amount of my payoff on my mortgage loan. I believe I was overcharged {XXXX} and sent supporting documentation supporting my assertion. The certified mail was received XX/XX/18 and I have never received a respond from BSI Financial. Additionally, BSI Financial is in violation of RESPA qualified written request rules.
02/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33186	Web
XXXX XXXX XXXX has been reporting inaccurate information to credit reporting agencies, in regards to my Mortgage account. This issue has caused me troubles trying to refinance my mortgage for a better rate. They have been reportinting illegally 120 days late for XX/XX/XXXX and XX/XX/XXXX and inaccurate amount of the loan for more than {$50000.00} in excess. I have tried to solve this problem directly with them but They haven't corrected such information.
11/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web	Servicemember
Dear Representative, On or about XXXX/XXXX/XXXX I left several messages with mortgage servicer with no response back on the status of my mortgage modification. My contact XXXX XXXX and supervisor XXXX seem not be available to provide vital information requested on the update. Please have someone look into this matter as soon as possible. Payments have been made and yet no updates on this review can be obtained successfully. Respectfully yours, XXXX
09/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web	Servicemember
Dear Supervisor, I have asked for the servicer to provide information on the account. They ca n't seem to locate it. In the dispute is the amount owed {$78000.00} verses {$110000.00}. Because this was sold to them by XXXX XXXX XXXX XXXX. in the last two weeks. Also, we are asking for further information for Modification. A Qualified Written Request is needed to establish the exact amount owed as soon as possible because we DISPUTE the balance.
06/27/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WV 254XX	Web	Older American, Servicemember
XXXX approved a loan modification and forgave {$140000.00}. on a note and issue a XXXX on which I paid taxes on the forgiven debt. Then the loan was sold to XXXX XXXX who subsequently denied that the forgiven portion of the debt existed even though I presented the documents proving the facts. they then altered the recorded documents and proceeded with foreclosure and the property record now say it was sold to a trust for {$220000.00}.
06/15/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 44310	Web
I was approved for a trial six month modification for XXXX. My husband and I never missed a payment. After the six month approval payment of {$780.00} a month. BSI wrote the modification contract for XXXX XXXX a month. When they had already approved the modification for XXXX, which we agreed to and never missed a payment. At the end of the trial BSI said we had to pay {$990.00} a month instead of the {$780.00} modification approval.
04/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 24153	Web	Older American
I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.
07/17/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 62002	Web
Please consider this correspondence to be formal notice that our mutual client is hereby Submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). No response to our QWR and NOE request provided by the lender. The lender has also failed to respond to our Notice of arbitration and Lis Pendens
01/04/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KS 662XX	Web	Older American
BSI Financial Services took over a loan I had with XXXX. The problem is very poor and inaccurate service on the loan. No return phone calls or information provided on the loan. Miss paid Escrow and other issues. Lack of staff to help customers. This is a collections business with only one goal. I am not that individual this type of service is not acceptable to me or millions of individuals with good credit and payment history.
03/25/2019	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 750XX	Web	Servicemember
I submitted a complete modification package to XXXX XXXX, XXXX on XX/XX/XXXX. I did not receive a denial letter until XX/XX/XXXX after receiving the notice of acceleration on XX/XX/XXXX ... the letter is dated XX/XX/XXXX with a fix by date of XX/XX/XXXX ... the sale date is scheduled for XX/XX/XXXX. I hired an attorney to help me before starting the process and I am still shocked that it happened this way. I am XXXX. XXXX
10/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08046	Web
BSI Financial mailed a Escrow disbursement check naming me and my EX wife the payees. I am divorced, quit claim deed was filed. There is an order of protection on file. I do not have any contact with my ex wife. I mailed in all documentation stating such. They were unwilling to reissue a check with only my name so I could cash it. So there is money sitting not being utilized because of this inconsiderate, corrupt company.
07/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44128	Web	Older American
PURCHASED HOME IN XXXX FOR {$39000.00}. REFINANCED IN XXXX WITH XXXX BAL INCREASED ON MORTGAGE TO {$76000.00}. ENTERED INTO HAMP AGREEMENT WITH XXXX XXXX BALANCE INCREASED TO {$99000.00}. XXXX SOLD MORTGAGE. BSI MORTGAGE SERVICER. DEBT FORGIVENESS OF {$44000.00}. WHY DID THE HAMP AGREEMENT INCREASE MY MORTGAGE AMOUNT? HOW DO I DETERMINE WHAT IS THE ACTUAL MORTGAGE BALANCE WHEN MORTGAGE SERVICERS CHANGE EVERY YEAR?
07/25/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 100XX	Web
A Notice of Error was sent to BSI Financial on XXXX/XXXX/2016 requesting proof of foreclosure loss mitigation notices and the notice for the final date for loss mitigation. A request for a loss mitigation review for the Making Home Affordable Program was sent to on XX/XX/2016. They still have a scheduled sale date for XXXX/XXXX/2016 without responding to the request for information or the loss mitigation review.
10/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92555	Web
I currently am behind in my mortgage payments and have submitted an application to be considered for a loan modification. I have provided all documents requested to be considered for assistance but I have a foreclosure sale scheduled on XXXX/XXXX/15. My mortgage company is saying they dont have enough time to complete the review and that my home will go to sale. I need help getting this sale date postponed.
07/23/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	FL 33907	Web
I have called BSI to try to get this handled and they would n't report it to credit beau they said it would take them 30-60 days for them to report it. It has already been over 30 days I 've sold my house and they still have n't reported it. They treated me like a 5 year old child and that I have no rights as a consumer. I tell them about the civil liability for willful noncompliance and they laugh at me.
08/19/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	VA 23231	Web
Received a loan through XXXX XXXX XXXX, who in turn hired BSI Financial to service it. XXXX properties, XXXX loan. The servicer has repeatedly demanded I pay insurance on the properties even though premiums were collected a year in advance at the time the loan was made. XXXX is again threatening force-placement, and repeated attempts by my rep at XXXX XXXX to correct the issue have not yielded results.
07/07/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08046	Web
XX/XX/XXXX fell in between the grace period, there is an unexplained late charge attached to my mortgage that needs to be removed. The company told me to have my lawyer explain it when I called. BSI does not credit your account until the money gets deposited in the bank. Not when they receive payment. It seems every time I file a complaint, I am penalized with an unexplained fee added to my mortgage.
01/13/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 95843	Web
PROBLEM XXXX XXXX is planning on selling our home even thou we are working with XXXX ID XXXX " XXXX XXXX XXXX XXXX XXXX '' on a loan modification and representatives at XXXX have told us that we are currently under revue, however XXXX XXXX does n't seem to care about that and are still pushing hard for a foreclosure. I believe that they are violating California Home Owners Bill of Rights.
12/18/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WA 98034	Web
My mortgage loan servicing company is not following the terms of my loan modification agreement. The result of this is me being forced to pay several hundred dollars more a month to maintain on-time payment history. I have contacted their loan servicing department several times in the course of the last month and a half to fix the issue but have gotten no resolution.
11/25/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30296	Web
Asked for the name and address of original creditor, Did not cease collection after notified of dispute. No contract with them, power of attorney was revoked to able to assign. No contract, harrasment and false statement on letters, never returned a response by affidavit, defaulted by not answering never sent a true bill. I am not deceased.
08/15/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WI 53403	Web
My loan reached maturity in XX/XX/2018 with a balance still remaining. There is still a little over {$7000.00} owing on the mortgage. I have attempted to contact XXXX and have been told that I do not have any options other than to pay the entire remaining balance. I can not afford to pay over {$7000.00} at one time.
08/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08046	Web
I received a notice that my new mortgage payment is XXXX. The following payment was not in step with this document. I refuse to payment this new amount and any late fees. This problem needs to be straighted out ASAP. They will not answering any questions about my account and the discrepancy with the amount.
01/28/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 306XX	Web
I have been making my payment ( s ) on time for the past 13 months and my mortgage company is reporting to all ( 3 ) credit bureau that my payments have been late. I always submit all my payments on time. Due to the fact, my lender has been sold to another company they do not process my payments on time.
07/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30030	Web
BSI financial does n't send me a monthly statement each month nor can I pull from my online account. In addition, it appears each monthly payment is not applied in the month in which is was paid. The account shows paid, however, the business office is a month to two months behind in posting the payments.
08/21/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web	Servicemember
Dear Representative, It has come to our attention that our mortgage was sold to a new servicer. Our goal is to get the proper payment address and further assistance with a new loan modification. The payment made was returned for incorrect address given to us by the customer service line. Thank you!
01/05/2016	Yes	Mortgage Other mortgage	Settlement process and costs	IL 60046	Web
My wife and I signed a deed of lieu off foreclosure on XXXX XXXX with BSI Financial Services, with the agreement of a XXXX check of {$10000.00} for relocation fees, we vacated our premises on XXXX on XXXX per our agreement. and we still have not received the XXXX check from BSI financial Services.
10/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33013	Web
I am trying to get a short sale done. The lender is not responding to our request. I am a sale date of XXXX XXXX 2016 and BSI Financial will not give me any status on the process. I have a willing buyer that submitted a offer over a month ago and we have not gotten any response. Who can help me?
06/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	RI 02864	Web
BSI Financial denied a loan modification because they said I never sent the proper paperwork in. I sent all the proper paperwork to my attorney who then sent it to BSI. BSI is the servicer of the loan. XXXX XXXX was the original servicer and they denied me a loan modification XXXX different times
06/24/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92591	Web
I 'm trying to work with my lender BSI to do a shortsale since they denied me for a loan modification and they refused to look at it XXXX more time, my realtor send them a listing agreement last week they have the house up for foreclosure for XXXX XXXX I need more time to finalized the listing
06/17/2019	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	VA 228XX	Web	Older American, Servicemember
XXXX has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked XXXX over a dozen times to delete BSI Financial services as the account is closed. They show 2 open real estate mortgages, which is incorrect.
11/12/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92677	Web	Older American
My loan was sold from XXXX to BSI mortgage and they have added {$10000.00} in fees to my account and will not remove them. I have sold my home and it is closing XXXX/XXXX/15 I need help to make them reduce the fees and follow the loan contract I have in force. XXXX XXXX XXXX or XXXXXXXXXXXX
09/14/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 34787	Web
I live in XXXX XXXX, Fla. Where we were recently hit with XXXX XXXX , where house was damaged and I 'm faced with overwhelming amount of bills, I reached out to get help with forbearance on my loan, being that 's the Law, and this company BSI Financial Services , is refusing to help me.
03/27/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 902XX	Web
My name is XXXX and after working with my lender BSI Financial Services for over 3 years to obtain a modification my property was sold at auction on XX/XX/2017 located at XXXX TX, now I am facing eviction and i have no where to go. I am XXXX years old and would like to keep my home.
07/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web	Servicemember
* This past month I received a notice that my mortgage was sold off to : XXXX XXXX XXXX UPON CALLING THEY CA N'T FIND MY ACCOUNT NOR GIVE ME INFORMATION HOW TO PAY. I WISH NOT TO GET BEHIND ON PAYMENTS AND DESIRE INFORAMTION ON A MODIFICATION OF THE LOAN THROUGH HAMP OR HARP.
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01013	Web
Got divorced in XXXX 2015 and the umass XXXX bill and the mortgage was my ex wifes responsibility according to my divorce paperwork yet it shows up on my credit report as being late. I would like it removed from my credit report as it is aversely affecting my credit score.
03/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76018	Web
I filed a Qualified Written Request/Notice of Error on XXXX/XXXX/15 and received a written acknowledgement of my QWR dated XXXX/XXXX/15 from my mortgage servicer. As of today, i have received no further communication from my servicer and my dispute has not been resolved.
12/25/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 32765	Web
My mortgage was sold to BSI Financial ( aka Servis One ) in XXXX 2015. Since then I have asked for XXXX modifications and was denied. Now they have stopped paying my homeowner 's insurance and taxes and have significantly increased the reported balance of my mortgage.
10/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60440	Web
I have asked the attorney XXXX XXXX XXXX XXXX XXXX IL XXXX phone XXXX Fax XXXX email : XXXXXXXXXXXX and BSI Financial but they are not willing to consider me even theough property at XXXX XXXX XXXX , IL XXXX is subject to treasury modification for any kind of plan.
05/04/2018	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	CA 95111	Web
I have lodged disputes witXXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017.
09/16/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA XXXXX	Web	Older American, Servicemember
The loan servicing company called XXXX, took over my VA loan, they have screwed it up ever since they have had it, making threats, false statements, failing to conduct an LPO/Audit and Fraud. There parent company is Servis One , Inc another fraudulent company
09/04/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA XXXXX	Web	Older American, Servicemember
Each time i file a complaint with your agency if tip off the people i'm complain n about then they harass me. If you can not do your job them send the complaint to the FBI As a XXXX Veteran the company XXXX XXXX XXXX has attempted to extort, defraud and lie.
07/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web	Servicemember
Ref : BSI FINANCIAL SERVIC ES XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA. ZIP CODE : XXXX * NEED MONTHLY STATEMENTS. HAMP APPLICATION. * CURRENT AMOUNT D UE ON MORTGAGE. ( XXXX was not able to furnish this information )
04/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80228	Web
Our mortgage has been paid to below XXXX % since XX/XX/XXXX. By law, the servicer is required to drop Private Mortgage insurance at that point. I have requested our servicer, BSI financial to drop the PMI three times, and it has not happened.
07/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92629	Web
Got behind in payment, the property went into Bankruptcy. the lender got relief from stay. Now I 'm able to bring the loan current, lender/servicing company will not sent escrow or my self reinstatement and the sale date is XXXX/XXXX/2016
11/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33189	Web
Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial
04/25/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MA 02062	Web
XXXX XXXX sold my loan to BSI Financial and I am trying to pay off my loan. I can not get anyone at BSI to cooperate. My new loan is now stalled awaiting their reply to my repeated requests for a payoff of this loan
10/09/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MA 02346	Web
XXXX Mortgage and BSI Financial , Inc., both mortgage servicers - failed to credit my mortgage account for HAMP payments. I had to sue them in small claims court in order to force them to comply with the law.
09/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 206XX	Web
I just received a calculation for my new mortgage payment that increases it by {$500.00} per month! The new payment is effective XXXX XXXX. The escrow custion is listed as {$1000.00}. Is that legal?
05/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA XXXXX	Web
XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old.
06/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08046	Web
Case number : XXXX was never resolved. There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I call
07/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30030	Web
BSI Financial does n't send me a monthly statement nor do that make one available online each month. In addition, sometimes they post a payment one month after the payment has been made.
06/10/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30135	Web
I have been trying to get a loan modification with my mortgage company with no success. The only options they gave me is either sale the home or I will be going into foreclosure,
11/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 080XX	Web
we were originally trying to do a modification, then a deed in lue to get hafta relocation, our application was never processed for the hafta relocation nor the modification
07/07/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 08046	Web
There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I called. Unacceptable!!!
04/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08046	Web
I refinanced my mortgage and there are additional cost added to my bill that BSI financial want explain what they are. I was told that my attorney would explain it to me.
02/16/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 074XX	Web
I sent my mortgage payment in in XXXX 2017 bsi has not cash -ed the check and the mortgage is late.i would like to know why the check has not been cashed
12/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91977	Web	Servicemember
Our home at XXXX XXXX XXXX, XXXX XXXX, CA was foreclosed on while in a modification with BSI Financial Services. * Our home was foreclose on XXXX XXXX.
06/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92883	Web	Older American
BSI keeps responding skating around direct answers and still this to date not answering XXXX direct question. I am also now going to FTC.
08/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI XXXXX	Web	Servicemember
On XXXX/XXXX/2017 was told that BSI is serving my account but they can not find it? How do I PAY? Loan Modification Info. requested??
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33186	Web
XXXX XXXX XXXX incorrectly report late payments made as agreed and mortgage balances. I have complaned on this issue several times.
02/07/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IN 473XX	Web
Our mortgage company ( BSI Financial ) has not paid our real estate taxes since XXXX of 2015 out of our escrow account.
06/13/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 31313	Web	Servicemember
BSI Financial bought my mortgage from another company. ever since they have stated that I have not made payments.
03/10/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30044	Web	Servicemember
My Lender foreclosed on my home after I put it in bankruptcy. They told me it was being transferred.
05/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 22191	Web
Home was foreclosed on XXXX/XXXX/2016 while file was under active review for a modification.
03/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 53083	Web	Older American
inability to contact bsi
12/05/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 12785	Phone

11/25/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11551	Web

11/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Referral

11/13/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30039	Referral

11/12/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Postal mail

11/06/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94587	Phone

11/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77375	Web

10/29/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments		Referral

10/25/2019	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Public record information inaccurate	OH 44266	Phone	Older American, Servicemember

10/25/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage		Referral

10/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 46135	Web

09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32541	Web	Older American, Servicemember

09/19/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75070	Referral

09/11/2019	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	CO 81005	Postal mail

09/04/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process		Postal mail

09/03/2019	Yes	Mortgage VA mortgage	Trouble during payment process	FL 34208	Web

08/28/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 31907	Referral	Servicemember

08/28/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AZ 85207	Referral

08/28/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94124	Referral

08/23/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	WA 98391	Referral

08/20/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage		Phone	Older American, Servicemember

08/20/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 08004	Web

08/19/2019	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	TN 37212	Referral

08/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60504	Web

08/13/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 81089	Phone

08/05/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92584	Referral

08/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 43229	Web

07/30/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

07/29/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

07/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 31907	Phone	Servicemember

07/15/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48228	Fax

07/15/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 75033	Referral

07/10/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11729	Web

07/08/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75033	Referral

07/02/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 92584	Phone

06/20/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30106	Referral

06/19/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	OH 44121	Phone	Older American

06/19/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20743	Web

06/19/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30106	Web

06/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11203	Referral

06/03/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10010	Referral

05/31/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NY 14580	Phone

05/29/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98405	Web

05/29/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98133	Web

05/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98022	Web

05/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33027	Postal mail

05/14/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 28278	Web

05/07/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	IN 46368	Web

04/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30087	Phone

04/16/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

04/11/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MT 59840	Referral

03/27/2019	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect		Phone	Older American

03/21/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98405	Web

03/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28227	Phone	Older American, Servicemember

03/07/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 23139	Phone

02/28/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98166	Web

02/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91107	Postal mail

02/23/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 32541	Referral

02/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85739	Postal mail	Older American

02/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60585	Web

02/06/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

01/31/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Postal mail	Older American

01/23/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 150XX	Web	Servicemember

01/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 23237	Fax

01/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20833	Web

01/16/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 14586	Referral

01/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

01/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WY 82007	Web	Servicemember

01/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WY 82007	Web	Servicemember

12/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CO 80239	Web

12/27/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	MD 20735	Postal mail

12/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60651	Web	Older American

12/19/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Public record information inaccurate	OH 44266	Phone	Older American, Servicemember

12/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17268	Web

11/29/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89149	Phone

11/19/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	OH 44266	Phone	Servicemember

11/14/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60439	Referral

10/31/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 93277	Referral

10/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33950	Referral

10/24/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02132	Web

10/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 71070	Postal mail

10/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08701	Referral

10/17/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

10/15/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information is missing that should be on the report		Phone

10/15/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 37876	Web	Older American

10/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93010	Web

09/15/2018	Yes	Mortgage VA mortgage	Trouble during payment process	CA 93406	Referral

09/07/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR 97231	Web	Servicemember

08/17/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07731	Referral

08/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10994	Referral

08/13/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 61604	Web

07/27/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

07/26/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75150	Referral

07/26/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08723	Web

07/24/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 75150	Postal mail

07/22/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 33169	Web

07/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29706	Postal mail

07/10/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32136	Referral

06/28/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11369	Postal mail

06/21/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

06/15/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33167	Web

06/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 20186	Web

06/15/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33016	Web

06/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98146	Postal mail

06/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33161	Referral

06/10/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NV 89145	Web

06/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 36571	Postal mail

06/05/2018	Yes	Mortgage VA mortgage	Trouble during payment process	HI 96792	Web	Servicemember

05/31/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information is missing that should be on the report	NC 28227	Phone

05/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 17225	Web

05/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53085	Phone

05/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22042	Web

05/11/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 92201	Phone

05/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32907	Web

05/11/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11369	Postal mail

05/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08734	Web	Servicemember

05/03/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11368	Postal mail

04/19/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	OH 44266	Postal mail	Servicemember

04/19/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11369	Postal mail

04/17/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 92201	Web

04/10/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 92201	Web

03/30/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94109	Fax

03/21/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33024	Postal mail

03/19/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 31020	Phone

03/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11212	Web

03/06/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48347	Web

03/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77375	Web

03/05/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 33069	Referral

03/01/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 333XX	Web

02/28/2018	Yes	Mortgage VA mortgage	Trouble during payment process	HI 96792	Web	Servicemember

02/28/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 31522	Web

02/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77375	Web

02/14/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 80237	Referral

01/29/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process		Postal mail

01/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NM 87505	Web

01/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20020	Web

01/19/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33024	Postal mail

01/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94565	Web

01/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20020	Web

01/03/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07005	Web

12/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21403	Web

12/21/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11368	Fax

12/19/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	UT 84119	Postal mail

12/12/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94541	Postal mail

12/03/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 36571	Web

11/22/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 62024	Web

11/21/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 34205	Web	Older American

11/20/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	LA 70582	Referral

11/18/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 07008	Referral

11/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60631	Phone

11/08/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90066	Postal mail

11/07/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 95407	Web

11/03/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33056	Referral

10/25/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 07062	Postal mail

10/24/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95843	Web

10/24/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 95843	Referral

10/23/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90715	Web

09/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60651	Web	Older American

09/14/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CT 06807	Web

09/13/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	IL 61853	Postal mail

09/01/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 33950	Postal mail

09/01/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 08094	Referral

09/01/2017	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	NJ 08875	Referral	Servicemember

08/18/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33186	Web

08/15/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10016	Web

08/11/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 90275	Web	Servicemember

08/10/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10583	Web

08/10/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	WA 98001	Web

07/29/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10016	Web

07/28/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 90275	Web	Servicemember

07/24/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07080	Phone

07/24/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 18848	Referral

07/20/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 86406	Web

07/19/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

07/10/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10016	Web

06/27/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33173	Web

06/21/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 06795	Web

06/20/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 90275	Web

06/20/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 08701	Referral

06/15/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07731	Referral

06/02/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30311	Phone

05/25/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11705	Fax

05/24/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07036	Postal mail

05/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

05/04/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 78070	Referral

04/30/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10930	Web

04/25/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 91351	Web

04/24/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48104	Web

04/17/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 33173	Web

04/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 100XX	Web

04/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80108	Web

04/13/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19140	Web

04/10/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32712	Referral

03/31/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33173	Web

03/29/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93305	Referral

03/22/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31545	Postal mail

03/16/2017	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32712	Fax

03/15/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98027	Web

03/09/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32720	Referral

03/01/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 15601	Phone

02/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29464	Web

02/13/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 27610	Web

02/10/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 11788	Web

02/09/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	NJ 07010	Web	Older American

02/03/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95476	Web

01/27/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70452	Web

01/26/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95843	Referral

01/26/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07603	Postal mail

01/20/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	NY 11422	Web

01/19/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95843	Web

01/13/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34741	Web

01/13/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78610	Web

01/12/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11221	Referral

01/11/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92660	Web

01/06/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 13074	Web

01/05/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11221	Referral

12/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30213	Web

12/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91306	Web

12/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33647	Web

11/29/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	DE 19966	Phone	Older American

11/29/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 34236	Web

11/23/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IL 61065	Web	Older American

11/23/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07731	Fax

11/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07093	Web

11/17/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33187	Web

11/16/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90262	Web

11/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08077	Web

11/14/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08610	Phone

11/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92123	Web

11/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08009	Web

11/09/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94536	Postal mail

11/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89123	Web

11/04/2016	Yes	Mortgage Other mortgage	Other	NJ 07666	Referral

11/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78064	Referral

11/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78026	Postal mail

10/24/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CT 06516	Referral

10/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA XXXXX	Web

10/22/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	AZ 85050	Web	Older American

10/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	UT 84058	Phone	Older American

10/18/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93744	Postal mail	Older American, Servicemember

10/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20720	Referral

10/18/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95843	Web

10/18/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 49038	Referral	Older American

10/18/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 98133	Web

10/17/2016	Yes	Mortgage Other mortgage	Other	NV 89031	Referral

10/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34442	Web	Older American

10/13/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 12601	Web

10/11/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07105	Referral

10/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07446	Referral

10/05/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98362	Web

09/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11105	Web

09/20/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93428	Referral	Older American, Servicemember

09/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92706	Web

09/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77093	Web

09/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32725	Phone

09/02/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20720	Fax

09/02/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20720	Fax

09/01/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60502	Referral

08/31/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IN 46123	Phone	Servicemember

08/31/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98031	Referral

08/30/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	FL 33029	Phone

08/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	DC 200XX	Web	Older American

08/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19012	Web

08/25/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OR 97426	Web

08/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 32901	Web

08/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33075	Phone

08/19/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AL 35124	Web

08/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 44408	Web

08/11/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OR 97426	Web

08/11/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OR 97426	Web

08/09/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OR 97426	Web

08/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	DC 20004	Web

08/07/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 92563	Web

08/04/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92782	Referral

08/04/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	NY 13760	Referral

08/02/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 56377	Referral	Older American

08/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CO 81401	Fax

08/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33635	Phone	Older American

08/01/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 81401	Fax

07/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33075	Referral

07/28/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 100XX	Web

07/28/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	NY 11520	Postal mail

07/25/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95111	Web

07/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28801	Web

07/17/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 34295	Web

07/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WV 25413	Referral

07/15/2016	Yes	Debt collection Mortgage	Communication tactics Called after sent written cease of comm	VA 22150	Postal mail

07/06/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30096	Referral

07/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 35244	Web

07/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33629	Fax

06/30/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CO 81505	Referral

06/30/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 08750	Web	Older American

06/29/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32712	Fax

06/13/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07017	Web

06/09/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95111	Web

06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60615	Referral

06/03/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 92345	Postal mail

05/27/2016	Yes	Debt collection Mortgage	Communication tactics Called after sent written cease of comm	CA 92675	Fax

05/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60615	Postal mail

05/26/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 31513	Web

05/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94583	Phone

05/19/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NJ 08610	Referral

05/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01085	Web	Older American

05/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07111	Web

05/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98320	Web	Older American

05/11/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NY 11576	Web

05/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92881	Web	Older American

05/04/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 91761	Web	Older American

05/03/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33415	Referral

04/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07732	Referral

04/28/2016	Yes	Mortgage Other mortgage	Other	NJ 07751	Referral

04/28/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32609	Web

04/26/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 21208	Referral

04/18/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 49024	Referral

04/18/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 49024	Referral

04/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33173	Web

04/11/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	VA 22150	Fax

04/08/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AL 35244	Referral

04/08/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	WA 98001	Web

04/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 17870	Web

03/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MI 48103	Web	Older American

03/31/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91326	Referral

03/28/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30349	Referral

03/28/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98104	Fax

03/24/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AZ 85048	Referral

03/24/2016	Yes	Mortgage Other mortgage	Other	FL 34203	Referral

03/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32725	Phone

03/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92808	Web

03/18/2016	Yes	Mortgage Other mortgage	Other	FL 34203	Postal mail

03/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33317	Web

03/15/2016	Yes	Mortgage Other mortgage	Other	RI 02907	Postal mail

03/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	DC 20011	Referral

03/14/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PA 19041	Referral

03/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34953	Web

03/10/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92505	Web

03/03/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	LA 70119	Web

03/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70452	Web

02/29/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 100XX	Web

02/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 01075	Web

02/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	UT 84098	Web

02/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92336	Web

02/23/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MA 02554	Postal mail

02/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30038	Web

02/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77568	Web

02/19/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98042	Web

02/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28402	Web

02/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92653	Web

02/11/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19041	Referral

02/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07003	Web

02/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	ME 04240	Web

02/09/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90744	Web

02/09/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92607	Phone	Older American

02/08/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92653	Web

02/08/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 95819	Referral

02/08/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WA 98133	Web

02/02/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33173	Referral

02/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 14622	Web

01/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94801	Web

01/28/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93626	Referral

01/27/2016	No	Mortgage Other mortgage	Other	CA 92223	Postal mail

01/27/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10960	Referral

01/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33173	Web

01/26/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95377	Web

01/26/2016	Yes	Mortgage Other mortgage	Other	NY 10960	Postal mail

01/26/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	IL 60640	Web

01/26/2016	Yes	Mortgage Other mortgage	Other	NY 10960	Postal mail

01/22/2016	Yes	Mortgage Other mortgage	Other	MA 02554	Postal mail

01/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VA 23703	Phone	Servicemember

01/20/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 28409	Fax

01/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07732	Referral

01/12/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33155	Postal mail

01/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33173	Web

01/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95050	Web

01/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85048	Web

12/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 94610	Web

12/21/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90046	Referral

12/21/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 11729	Postal mail

12/16/2015	Yes	Mortgage Other mortgage	Other	HI 96792	Postal mail

12/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33196	Web

12/15/2015	Yes	Mortgage Other mortgage	Other	GA 30107	Referral

12/14/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92656	Web

12/14/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 17406	Referral

12/10/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07721	Referral

12/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	LA 70119	Web

12/03/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91505	Web

12/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84098	Web

12/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20748	Web	Older American

11/27/2015	Yes	Mortgage Other mortgage	Other	WV 25413	Referral

11/25/2015	Yes	Mortgage Other mortgage	Other	TX 77450	Referral

11/25/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27616	Referral

11/25/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	PA 19468	Web	Older American

11/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33410	Web

11/18/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Fax

11/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MT 59101	Postal mail

11/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75001	Web

11/16/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	NV 89052	Phone	Older American

11/13/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 95128	Referral

11/12/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 92118	Web

11/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92407	Web

11/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95377	Postal mail

11/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95138	Web

11/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92656	Web

10/29/2015	Yes	Mortgage Other mortgage	Other	FL 33063	Postal mail

10/28/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 91403	Referral

10/28/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not disclosed as an attempt to collect	OH 44128	Referral

10/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 15721	Web

10/26/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MA 02638	Referral

10/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92656	Web

10/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95337	Web

10/21/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07731	Postal mail

10/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 226XX	Web

10/16/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 33173	Web

10/16/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 19030	Web

10/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WI 53208	Web

10/14/2015	Yes	Mortgage Other mortgage	Other	CA 95693	Referral

10/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29365	Phone

10/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92656	Web

10/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77459	Web

10/09/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IN 46123	Web

10/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 01604	Web

10/07/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31415	Referral	Older American

10/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91360	Web

10/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33947	Web

09/30/2015	Yes	Mortgage Other mortgage	Other	NJ 07640	Fax

09/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 333XX	Web

09/25/2015	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95630	Web

09/24/2015	Yes	Mortgage Other mortgage	Other	GA 30331	Referral

09/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 94080	Web

09/19/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AL 36609	Web

09/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 31313	Web

09/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20607	Web	Older American, Servicemember

09/14/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 33779	Web

09/14/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 115XX	Web

09/14/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92881	Referral

09/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NM 87181	Postal mail	Older American, Servicemember

09/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94564	Web

09/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07005	Web

09/08/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95001	Fax

09/04/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 10007	Web

09/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97219	Referral

09/01/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92881	Web

09/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29715	Web

08/31/2015	Yes	Mortgage Other mortgage	Other	CA 94619	Postal mail

08/28/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94564	Web

08/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 22030	Web

08/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91403	Web

08/24/2015	Yes	Mortgage Other mortgage	Other	TX 75040	Postal mail

08/24/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30043	Web

08/20/2015	Yes	Mortgage Other mortgage	Other	CA 91737	Referral

08/19/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MA 02472	Web

08/19/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33327	Web

08/18/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94564	Postal mail

08/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92692	Web

08/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08872	Fax

08/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32443	Web

08/10/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NM XXXXX	Web

08/06/2015	Yes	Mortgage Other mortgage	Other	MT 59714	Referral

08/06/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07032	Referral

08/06/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	WA 99344	Referral

08/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 97459	Web

07/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92324	Web

07/28/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IA 51548	Web

07/28/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78201	Postal mail

07/27/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 94513	Web

07/24/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32746	Referral

07/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 14094	Web

07/22/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NY 13041	Web	Older American

07/14/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 45331	Referral

07/13/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	DC 20012	Web	Older American, Servicemember

07/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 02131	Web	Older American

07/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07640	Fax

07/08/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92236	Web

07/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 22030	Web

07/08/2015	Yes	Mortgage Other mortgage	Other	TX 75206	Postal mail

07/06/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

07/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 44060	Postal mail	Older American

06/26/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 08755	Web

06/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92656	Web

06/24/2015	Yes	Mortgage Other mortgage	Other	CA 94568	Referral

06/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33071	Referral

06/22/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30024	Web	Older American

06/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43130	Web

06/18/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 24179	Phone	Servicemember

06/16/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92656	Web

06/09/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91942	Web

06/01/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92692	Web

05/26/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	HI 96744	Referral

05/26/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34232	Referral

05/25/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 91750	Web

05/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98277	Web	Servicemember

05/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92337	Phone

05/19/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 95758	Web

05/16/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	FL 33409	Web

05/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75098	Web

05/05/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OH 44103	Postal mail

05/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 17402	Referral

04/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43551	Web

04/24/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08009	Referral

04/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20650	Web	Servicemember

04/22/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 49546	Fax	Older American

04/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60560	Phone	Servicemember

04/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08009	Web	Older American

04/15/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92630	Web

04/09/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 19126	Web

04/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92101	Web

04/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92656	Web

04/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08722	Web

04/07/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	RI 02911	Web

04/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92101	Web	Older American

04/01/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CO 80205	Referral

03/30/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92337	Web

03/27/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10469	Referral

03/27/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MA 02119	Referral

03/26/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IA 50317	Web

03/24/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PA 01867	Web

03/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34232	Web

03/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20721	Phone

03/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29938	Web

03/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33025	Web

03/09/2015	Yes	Mortgage Other mortgage	Settlement process and costs	FL 34607	Web

03/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89148	Fax

03/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 77489	Web

03/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85254	Web

03/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33076	Web

03/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11520	Web

03/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08820	Web

03/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60175	Web

03/03/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	ID 83854	Web

03/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08109	Phone

03/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92630	Fax

03/02/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60093	Web

03/01/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33076	Web

02/27/2015	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 22182	Web

02/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22303	Web	Servicemember

02/26/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA 92234	Web

02/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92336	Web

02/25/2015	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	MS 38680	Phone

02/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MS 38611	Fax

02/23/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34953	Web	Servicemember

02/22/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32701	Web

02/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92114	Web

02/19/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92394	Web

02/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20708	Web

02/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98390	Web

02/17/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NV 89178	Web

02/15/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NV 89178	Web

02/13/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CA 91766	Postal mail	Older American, Servicemember

02/13/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30189	Web	Servicemember

02/12/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 80134	Referral

02/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 12570	Web

02/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20774	Web

02/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11933	Web

02/06/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 21044	Postal mail	Older American

02/05/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	KS 66611	Referral

02/04/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92626	Web

02/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75126	Web

02/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19143	Web

01/31/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 92883	Web

01/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95020	Web

01/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29053	Web

01/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	KY 40229	Web

01/20/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20774	Web

01/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95823	Web

01/17/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MD 20782	Web

01/15/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 90604	Web

01/15/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL 60402	Web	Servicemember

01/14/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 56377	Referral

01/12/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08753	Web

01/09/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PA 19353	Web

01/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11374	Web	Older American

01/08/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95122	Web

01/06/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33009	Web

01/05/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL 60404	Web

01/03/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 33068	Web

12/27/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95020	Web

12/24/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NJ 07093	Referral

12/23/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95035	Referral

12/22/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 91913	Web

12/22/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 27265	Web

12/20/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	PA 17929	Web

12/19/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92563	Web

12/19/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95667	Web

12/19/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 10007	Web	Older American

12/16/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94928	Web

12/15/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 23505	Web

12/12/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91356	Web

12/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33015	Web	Servicemember

12/10/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08829	Web

12/09/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 44708	Web

12/09/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 98001	Web

12/05/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92236	Web

12/01/2014	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	LA 70452	Web

12/01/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11218	Web

11/28/2014	Yes	Mortgage Other mortgage	Other	CA 94965	Postal mail

11/26/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	ID 83805	Web	Servicemember

11/25/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60647	Web

11/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33176	Web

11/20/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90807	Fax

11/19/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08077	Web

11/18/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89178	Postal mail

11/18/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19050	Fax	Servicemember

11/15/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MA 02301	Web

11/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02148	Web

11/13/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 94080	Web

11/13/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 77008	Web

11/12/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95634	Postal mail

11/07/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20912	Web

11/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92013	Web

11/05/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 08028	Web

11/04/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 94080	Web

11/01/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32725	Web

10/27/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 18914	Postal mail

10/25/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30052	Web

10/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33579	Web

10/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34972	Web

10/22/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31808	Referral

10/20/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IN 47872	Web

10/17/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92019	Web	Older American

10/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 01803	Web

10/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08226	Fax

10/13/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33156	Web

10/10/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33009	Web

10/09/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 14607	Web

10/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08043	Web

10/07/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07093	Referral

10/07/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95833	Web

10/06/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91764	Web

10/06/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80107	Web

10/01/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33414	Referral

09/30/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77511	Web

09/30/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98409	Web

09/29/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28314	Web

09/26/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33441	Web

09/25/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94603	Referral

09/19/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NJ 08829	Phone

09/16/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33415	Postal mail

09/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 17257	Web

09/04/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92308	Web

09/02/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19083	Web

08/27/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33173	Postal mail

08/23/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92392	Web

08/20/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33178	Postal mail

08/20/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33155	Referral

08/19/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33155	Postal mail

08/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77015	Web	Older American

08/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91104	Web

08/13/2014	Yes	Mortgage Other mortgage	Settlement process and costs	OH 44023	Web	Older American

08/12/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33068	Referral

08/12/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 08081	Web

08/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 20105	Web

08/07/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33196	Referral

08/06/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 21133	Web

08/05/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 93720	Web

08/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20832	Web

08/01/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	GA 30214	Web

07/31/2014	Yes	Mortgage Other mortgage	Other	MD 21225	Referral

07/31/2014	Yes	Mortgage Other mortgage	Other	CA 92399	Referral

07/30/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94587	Web

07/29/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11357	Referral

07/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11218	Phone

07/22/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 74361	Web

07/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NV 89117	Web

07/17/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91320	Web

07/16/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60490	Referral

07/12/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94564	Web

07/10/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22303	Web	Servicemember

07/10/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11704	Web

07/09/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 11751	Web

07/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 45011	Web

07/05/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 14226	Web

07/03/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92626	Web

07/02/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02148	Web

07/02/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 27565	Web

07/02/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78540	Phone

07/01/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 77015	Web	Older American

06/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 02364	Web

06/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75093	Web

06/23/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33311	Web

06/20/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90650	Web

06/16/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20707	Referral

06/12/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 18944	Web

06/12/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IL 60643	Web

06/11/2014	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 21740	Web

06/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11710	Web

06/09/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89052	Web

06/06/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07830	Web

06/05/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90805	Web

06/05/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11758	Web

06/05/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85382	Referral

06/03/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78223	Referral	Older American

06/01/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 11691	Web

05/30/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 19320	Referral

05/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11373	Web

05/28/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	XXXXX	Referral

05/27/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AR 71671	Web

05/23/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48186	Fax

05/22/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 90212	Postal mail

05/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91502	Fax	Older American

05/21/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92395	Web

05/20/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 79762	Web

05/19/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11374	Referral

05/16/2014	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89106	Web

05/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

05/13/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34952	Referral

05/12/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30047	Referral

05/05/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95060	Web

05/02/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92804	Referral

05/02/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	FL 33131	Postal mail

04/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80241	Web

04/24/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 27610	Web

04/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78709	Web

04/17/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 20147	Web

04/16/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 90250	Postal mail

04/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92592	Web

04/10/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07701	Referral

04/08/2014	Yes	Mortgage Other mortgage	Settlement process and costs	NJ 07111	Web	Older American

04/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28732	Web

04/07/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 17345	Phone	Older American, Servicemember

04/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21215	Web	Older American

04/03/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	CA 91344	Web

04/03/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92595	Fax

04/02/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33305	Fax

04/02/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 14094	Web

04/01/2014	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33178	Phone

03/31/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92595	Fax

03/31/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08043	Web

03/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92868	Web

03/26/2014	No	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 91740	Web

03/26/2014	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20774	Web

03/26/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95604	Postal mail

03/26/2014	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92114	Web

03/26/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91786	Referral

03/25/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TX 78861	Web

03/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21215	Web

03/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92020	Web	Older American

03/21/2014	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 47006	Phone	Older American, Servicemember

03/20/2014	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	DC 20009	Web

03/20/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85122	Referral

03/19/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98632	Web

03/18/2014	No	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NJ 08046	Web

03/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20774	Web

03/13/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92596	Web

03/13/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	HI 96797	Referral

03/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92821	Web

03/11/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60104	Web

03/10/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78504	Web

03/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91759	Web

03/06/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 38107	Fax

03/05/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IN 47872	Web

03/03/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MA 02723	Web

03/03/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11412	Web

02/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92394	Web

02/28/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 85033	Web

02/25/2014	No	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91741	Web

02/25/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 55340	Referral	Older American

02/21/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08043	Referral

02/18/2014	No	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92555	Web

02/16/2014	No	Mortgage FHA mortgage	Application, originator, mortgage broker	CA 95823	Web

02/14/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 91384	Web

02/14/2014	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 94703	Web

02/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23437	Web	Servicemember

02/12/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32708	Web

02/10/2014	No	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 20120	Web	Older American

02/09/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 22503	Web

02/07/2014	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CA 91765	Fax

02/05/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax	Servicemember

02/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34741	Web

01/30/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CO 80911	Web	Servicemember

01/30/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	ME 04849	Web

01/29/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AZ 85260	Web	Older American

01/22/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NM 87105	Web

01/18/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92020	Web	Older American

01/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91730	Web	Older American

01/17/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29229	Web

01/16/2014	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92009	Web

01/16/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48377	Web

01/10/2014	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32256	Web

01/08/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 93010	Web

01/06/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 91913	Web

01/03/2014	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30501	Postal mail

12/31/2013	Yes	Mortgage Other mortgage	Settlement process and costs	FL 33147	Postal mail

12/27/2013	No	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92407	Web

12/24/2013	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91351	Referral

12/24/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95843	Referral

12/21/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11554	Web

12/19/2013	Yes	Credit reporting	Incorrect information on credit report Account status	NH 03844	Web

12/18/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11226	Referral

12/17/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92101	Phone

12/13/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 34229	Web

12/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07302	Phone

11/19/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33026	Web

11/15/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33311	Web

11/13/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 98133	Web

11/07/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 33898	Web

11/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33409	Referral

11/05/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32708	Web

11/01/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30355	Web

11/01/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 93003	Web

10/31/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 21756	Web

10/30/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33166	Referral

10/22/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33948	Web

10/10/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85706	Fax	Older American

10/01/2013	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33712	Referral

09/25/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90019	Web

09/16/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94006	Fax

09/10/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 77014	Referral

09/03/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92704	Web

08/23/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33024	Web

08/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75052	Web

08/09/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91766	Postal mail

07/30/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33903	Postal mail

07/26/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 55033	Referral

07/17/2013	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 33310	Phone

06/27/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 18510	Phone	Older American

06/27/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33952	Web

06/21/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95252	Referral

06/06/2013	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19464	Web

06/03/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90291	Postal mail

05/23/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CT 06877	Referral

05/01/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VA 23456	Referral

05/01/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92008	Web

04/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Fax

04/02/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	IL 60067	Web

03/26/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 95823	Web

03/14/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94521	Referral

03/14/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95670	Referral

03/13/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30114	Referral

02/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33187	Referral

02/08/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Postal mail

01/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30034	Web

01/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	DC 20007	Referral

01/08/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92270	Web

01/07/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34609	Referral

01/04/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 17535	Phone	Servicemember

01/03/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 35750	Postal mail

12/11/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IL 60624	Web

11/29/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91767	Web	Older American

11/29/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90061	Postal mail

11/27/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 15235	Web

11/23/2012	Yes	Mortgage Other mortgage	Other	CA 90806	Postal mail

11/11/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 02302	Web

11/05/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 22182	Web

10/18/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95841	Postal mail

10/10/2012	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33411	Web

09/26/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IN 47901	Web

09/20/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90043	Phone

09/14/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 20164	Referral

09/10/2012	Yes	Mortgage Other mortgage	Settlement process and costs	VA 22124	Referral	Servicemember

08/31/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 97062	Postal mail

08/30/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92679	Postal mail

08/21/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	UT 84005	Postal mail

08/14/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91791	Referral

06/29/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90011	Web

06/25/2012	No	Mortgage Second mortgage	Loan modification,collection,foreclosure	CA 95827	Referral

06/20/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 94080	Web

06/19/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90732	Web

06/19/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 28226	Web

06/19/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91367	Referral

06/07/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21009	Phone

06/06/2012	Yes	Mortgage Other mortgage	Other	FL 33169	Postal mail

06/04/2012	Yes	Mortgage Other mortgage	Other	FL 33071	Postal mail

05/24/2012	Yes	Mortgage Other mortgage	Other	FL 33071	Postal mail

05/22/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92553	Referral

05/17/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27510	Referral

05/04/2012	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	VA 22202	Web

05/04/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 19149	Postal mail

03/16/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 93110	Web	Older American

03/06/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91786	Web

02/22/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30068	Web

02/09/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33469	Referral

02/06/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 23513	Phone

01/19/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MA 01104	Web