SN SERVICING CORPORATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/08/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92262	Web
Im filing this claim against SN Servicing Corporation, who has been the Lender on behalf of XXXX XXXX re : my 2nd mortgage. SN Servicing Corporation has been violating the guidelines of RESPA and the CFPB Bulletin 2021-02 : Supervision and Enforcement Priorities Regarding Housing Insecurity. The guidelines of RESPA include that Lenders must be transparent re : all financial requests of the borrower. Lenders must include how they calculated their requested amounts, as well as they must disclose why they are requesting the amount that they are requesting. SN Servicing has not followed any of these guidelines. Furthermore, SN Servicing Corporation violated the CFPB guidelines re : helping me as a homeowner during the pandemic, to keep my home. Again, SN Servicing Corp. has not followed the CFPB guidelines. I purchased my XXXX XXXX condo XX/XX/XXXX. My Lender was XXXX XXXX XXXX. I had a 1st mortgage and took out a 2nd mortgage that was used as a Piggy Back Loan as my down-payment. It was a 15-year loan in the amount of {$26000.00} at the rate of 9.5 % with a Balloon Payment due at the end of 15 years. The Maturity date was XX/XX/XXXX. ( I had no idea what the Balloon payment amount would be at the end of the loan. XXXX never disclosed that to me. ) In XXXX The real estate bubble had burst. XXXX XXXX XXXX took over XXXX XXXX XXXX. In XXXX I had no equity in my home and I could not afford both mortgage payments. I hired a Bankruptcy Attorney who advised me that because there was no equity in my home, my 2nd mortgage would become an unsecured dept and would be wiped-out in a Chapter XXXX Bankruptcy. In XX/XX/XXXX ( Almost 10 years later ) I received a 'Notice of Assignment, Sale or Transfer of Servicing Rights ' letter from XXXX XXXX XXXX informing me that they had been servicing my 2nd Mortgage in the amount of {$26000.00} and that SN Servicing Corporation would be my new 2nd Mortgage servicer, as of XX/XX/XXXX. I had no idea who any of these companies were. I had not heard from anyone about my 2nd mortgage in almost 10 years ( since filing bankruptcy. ) Now all of a sudden out of the blue, I was receiving correspondence. And from a company I had never heard of. In early XXXX, XXXX, ( right in the middle of one of the worst pandemics in our country since XXXX ) I received a letter in the mail from SN Servicing Corporation that they were now my new loan servicer and that XXXX XXXX was the creditor to whom the debt was owed. SN Servicing Corp. then mailed me a second letter. It stated that instead of owing {$26000.00}, ( which was the original loan amount, ) the loan had been accruing interest all these years ( at 9.5 % interest ) and that I owed {$53000.00}. I immediately contacted the Attorney ( that I had filed my Bankruptcy with back in XXXX ) and explained the situation. She informed me that she had retired and was no longer practicing law. She stated that although she could not provide me any legal advice, she stated to be careful and cautious of some random company that was now calling me out of the blue 10 years later, wanting money. After contacting some other Bankruptcy Attorneys, I was informed that I had not been provided sound legal advice back in XXXX when I originally filed bankruptcy and that Chapter XXXX bankruptcy is the only way to do a Strip Lien on a 2nd mortgage that has no equity. Not Chapter XXXX. At that point, I began making payments to SN Servicing Corp. ( Knowing that most of what I was paying them was just going to the interest, not the principal. ) XX/XX/XXXX, I wrote a letter to SN Servicing Corp. explaining my financial hardship due to the pandemic. I informed them that I wanted to keep my home and that I wanted to offer a Settlement in the amount of {$5000.00} ( which was my life savings. ) I also applied for a Loan Modification with them at the same time, as well. I was hoping they would accept one offer or the other. XX/XX/XXXX, I emailed XXXX ( the account manager ) asking what the status was of my Settlement offer and Modification request. I received the following email from her : The investors have responded with the below- If you do not agree you can write an appeal letter and I will submit your letter of appeal to be reviewed. Option 1 : Were willing to settle for {$42000.00} by XX/XX/XXXX. Option 2 : Minimum {$3500.00} Down Payment on or before XXXX Immediately defer loan current for XXXX Borrower to pay contractual pmt of {$220.00} from XXXX maturity Borrower to satisfy all remaining balance or seek a formal extension prior to maturity Of course, it would have been great to defer loan current and then I would have just continued to pay the contractual payment of {$220.00} per month until maturity date, however I didnt understand why SN Servicing Corp. was asking for a down payment of {$3500.00}. They did not explain how they came up with that particular amount, which is a RESPA requirement. I just knew that I currently had a Loan Modification on my 1st mortgage and was never asked by my lender ( or any lender Ive had for my 1st mortgage ) to pay money down as a down payment in order to receive help. I would have paid $ XXXX to actually settle my loan and be done and no longer have the loan, but it felt shady for a Lender to be asking me for a down payment. Especially with no explanation. XX/XX/XXXX, I emailed the account manager asking her to email me an attached " formal letter '' from the lender, as to the reasons they declined both my Settlement Offer and my request for a Loan Modification? Account managers email response : So technically at this point with option one being that they would accept a settlement of {$42000.00} or option two which was putting {$3500.00} down and then granting a forbearance bringing it your account to current standings I believe you will get a denial letter for the modification but thats because they are offering a forbearance which isnt considered a modification. I received a letter on SN Servicing letter head dated XX/XX/XXXX re : the reason for declining me a Modification : [ X ] Ineligible Borrower : We are unable to offer you a modification because your current monthly housing expenses, which include the monthly principal and interest payment on your first lien mortgage loan plus property taxes, hazard insurance and homeowners dues ( if any ) is not within the allowable debt to income ratio which would entitle you to be eligible for a modification. They then stated : [ X ] Investor Declined Loan Modification : We are unable to offer you a modification because : We have offered a Forbearance Plan instead. It was very confusing. They declined me a Modification because my debt-to-income ratio was not within the allowable amount, but then on the other hand they offered me a Forbearance Plan instead, but only if I paid them {$3500.00} down, which is not actually a Forbearance. I continued to pay my monthly payment on-and-off through XX/XX/XXXX. Meanwhile, I kept my 1st mortgage payments current and up-to-date. XX/XX/XXXX, I requested a copy of my NOTE and Deed of Trust from SN Servicing Corp. to see if they actually owned my note. ( They emailed me a copy of my Note and Deed of Trust, which had XXXX XXXX XXXX name on the Deed. ) So now, I still had no proof that SN Servicing Corp. actually owned my mortgage. But since they had all of my information and there was a lien on my home, I knew I needed to continue to address this situation. XX/XX/XXXX, I was in the middle of working with a Lender ( XXXX XXXX, ) to receive a refinance. I contacted SN Servicing Corp. to negotiate a lower pay-out settlement amount. I asked SN Servicing in an emailed letter, that If I was able to come up with the principal amount of {$26000.00} would their company be willing to accept my offer as a paid in full settlement? I informed them once again that my condo was my primary and only residence and my intent was to keep my home. I also informed them that since I had filed bankruptcy in XXXX and neither of my mortgages were showing on my credit reports it would be much easier if my 2nd mortgage was for the principal amount of {$26000.00} instead of closer to $ XXXX. XX/XX/XXXX The investors responded to my Settlement Letter request, by emailing XXXX my account manager, who forwarded me what their response was : We are not trying to offend her but business is based on facts. The fact is that XXXX values the property for XXXX. Even at a 20 % discount, the property is worth XXXX. Her initial offer is inadequate to be considered for a short payoff. Even if she sold the property at a steep discount, say XXXX, we would net close to full legal. She is free to counter our initial offer and we will review accordingly. A bankruptcy filing is her right and not a threat. It is important that she understands this. A XXXX takes her out of the equation and a XXXX will require her to pay XXXX on a full debt claim over 60 months which would be roughly $ XXXX. If she is unable to increase her offer, then she can list for sale or complete a DIL. Another solution would be to complete a forbearance agreement. For {$3000.00} on or before XXXX, we can defer the loan current. All terms remain the same. She would resume her {$220.00} installment XXXX. Before maturity, she will need to attempt to refinance and if unsuccessful, apply for an extension. We respect that she is in a challenging position. The XXXX appears to have mismanaged their fees and maintenance. However, there are multiple options to resolve her default positively. We are engaged in good faith and remain so. No. The Investors have not engaged in good faith. Ive been in the middle of a financial hardship due to the pandemic and they have not been willing to help me, unless I paid them a down payment. Last year they offered me a forbearance and asked that I pay {$3500.00} down. And now theyre asking that I pay them {$3000.00}. Their requested down payment numbers are random and with no explanation. Its so apparent they are not following the RESPA guidelines in explaining how they are coming up with their numbers. After a few emails back and forth with XXXX the account manager, SN Servicing Corp. informed me that they would not accept a settlement amount below {$48000.00} ( even though 7 months prior, they were willing to accept $ XXXX as a settlement offer. ) Again, they were not following RESPA guidelines in being transparent. As I continued to work with XXXX XXXX ( who was in the process of helping me receive a refinance ), the credit company that worked with XXXX XXXX contacted SN Servicing Corp. ( re : my 2nd mortgage ) to obtain payment history information. I was all set to close on my refinance, literally in a matter of days. The only thing XXXX XXXX was waiting for was information from SN Servicing re : my payment history. I recently was informed by a credit company who deals with 2nd mortgages, that because my 2nd mortgage was in a bankruptcy, all SN Servicing Corp. needed to do was fax a Verification of Mortgage stating that I was not obligated to make payments. Instead, SN Servicing wrote that they were not reporting on my credit reports, but meanwhile, submitted a written notification to the credit company working with XXXX XXXX, showing my past due history. In fact, they submitted financial history that included info from XXXX & XXXX ( when they didnt even own my mortgage. ) Needless to say : I did NOT receive my refinance, all because of how SN Servicing submitted my information. XX/XX/XXXX. At this point going forward, all I could do was ask SN Servicing for an extension. I also stated to XXXX that I did not have any upfront money to put as a down payment, but that I could pay the monthly amount. She recommended that I email her a Covid 19 Hardship Modification Packet asking SN Servicing for help with my loan. XX/XX/XXXX. XXXX the Account manager emailed me : The investors offer- We will accept a down payment of {$7000.00} on or before XXXX to defer current and extend term 12 months. All other terms remain the same. She can resume her contractual payment with the XXXX installment. I called and spoke with another representative at SN Servicing Corp. ( XXXX XXXX ) and explained that I wanted to work out a modification or extension with SN Servicing Corp. She recommended that I fill out a Modification Packet on line. XXXX, XXXX, XXXX I emailed both a Loss Mitigation Packet and a Loan Modification Packet. ( I wasnt sure which Packet to email, so I sent both, hoping SN Servicing would help me with something. ) I included my CA Unemployment in my Modification request, which literally made my Debt to Ratio close to 31 %, which is exactly where I needed to be in order to receive a Modification. XX/XX/XXXX. XXXX ( the account manager ) emailed me : The review to your modification came back that there is a monthly surplus of {$2500.00}. The account is 11 years delinquent. You will need a {$10000.00} down payment. So much for being at the perfect debt-to-income ratio to qualify for a Modification. EDD was only temporary. I did not actually have a surplus every month. I lowered my food amount and some bills, because otherwise SN Servicing Corp. would have declined my application. No matter what I submitted to the Lender, they asked for money. Again, violating RESPA guidelines by not being transparent in how they calculated their numbers. XX/XX/XXXX, I emailed XXXX asking for a 90-day extension from my loan due date, which would include a down payment of {$670.00} down ( This equals 3 months of payments. ) XX/XX/XXXX I called and spoke with XXXX re : the status of my Appeal. She stated my appeal was declined. I informed her that I had a change in income and that I was no longer collecting unemployment. She stated that she was no longer my Asset Manager and the new person handling my account was XXXX XXXX and the best thing to do was to fill out another Modification request and email it to XXXX. XX/XX/XXXX, Since I was no longer collecting Unemployment, ( which means I had a change in income. ) I applied for a Loan Modification one more time. I emailed XXXX XXXX info for a Modification/Extension. I ccd her and XXXX supervisor XXXX XXXX ( who Ive ccd on many of my emails and Modification requests. ) XX/XX/XXXX. I received a response from the Supervisor XXXX XXXX : A denial letter has been sent the investor has denied your request Thank you XX/XX/XXXX I received a mailed letter from SN Servicing Corporation re : the reason they were declining me a Modification : [ X ] Ineligible Borrower : We are unable to offer you a modification because your current monthly housing expenses, which include the monthly principal and interest payment on your first lien mortgage loan plus property taxes, hazard insurance and homeowners dues ( if any ) is not within the allowable debt to income ratio which would entitle you to be eligible for a modification. So once again, I was declined a modification due to SN Servicing stating that Im not at the debt-to-income ratio. ( Yet, when I was at the debt-to-income ratio, the only way they would accept a modification, was if I paid them {$10000.00} as a down payment. ) I realize that a lender does not have a legal obligation to provide a homeowner a Loan Modification. I also realize that as a homeowner ( especially in the State of California, ) I have legal rights. One thing that is crucial, is that mortgage lenders need to follow State and Federal laws. As a homeowner wanting to keep my home, I have done everything I can in good faith to attempt to work something out with SN Servicing Corporation and XXXX XXXX. My balloon payment was due XX/XX/XXXX. SN Servicing Corporations whole approach with me has been nothing but a dog & pony show, with no intent of actually helping me as a homeowner in distress, to actually keep my home. With all that said, this is my formal complaint letter against SN Servicing Corporation and XXXX XXXX. They have violated the guidelines of the CFPB Bulletin 2021-02 : Supervision and Enforcement Priorities Regarding Housing Insecurity and RESPA. SN Servicing Corporation has provided misleading information and false statements in their emails and on their website. SN Servicing Corporation has shown nothing but a pattern of unwillingness to work out a plan that would in any way help me keep my home. Their website claims : If you are experiencing difficulties making your monthly payment or if you believe you may have difficulty meeting your financial obligations in the near future, please contact your personal Asset Manager. Home Retention Solutions : Repayment Plans Modifications Settlements/Discounted Payoffs Again, the above information posted on the SN Servicing Corp. website , is nothing but marketing verbiage, filled with false advertisement and false promises of hope and inferences of intent to assist homeowners who want to save their home. Yet, in actuality, SN Servicing Corp. has consistently shown a pattern of unwillingness to provide assistance, unless they receive a financial down payment. Even their written comment to me on XX/XX/XXXX stating that she will need to attempt to refinance and if unsuccessful, apply for an extension is again an inference of intent to help me as the homeowner in saving my home. Yet, once I actually applied for an extension, SN Servicing Corporation once again provided an unwillingness to assist me, unless I paid them money. SN Servicing Corporations offers of false hope and inferences of intent to help assist homeowners who want to save and keep their home, are actually nothing more than false promises and lies. They are nothing but a scam in the guise of a mortgage lender. XX/XX/XXXX. I had been in correspondence with a Mortgage Lender stating that they could provide me a refinance. ( They can refinance loans based on liens and do not need to review payment history. ) They also stated that the refinance process could take up to 90 days and that if at any point in the process my 2nd mortgage went into a foreclosure, the refinance would be dead in the water. XX/XX/XXXX, I emailed my Appeal letter to XXXX XXXX, XXXX and XXXX. I informed them that I recently began corresponding with a Mortgage Lender who could provide me a refinance for my mortgage loan. I asked SN Servicing Corp. for a 90-day loan extension ( with no down payment contingency. ) During the 90-days, ( XXXX XXXX. XXXX. XXXX ) I would pay my current monthly payment of {$220.00} per month. XX/XX/XXXX, ( Later that day ) I received a letter in the mail from SN Servicing Corporation that they will no longer be the servicer of my 2nd mortgage. As of XX/XX/XXXX the new lender will be XXXX XXXX XXXX. The Investors ( XXXX XXXX ) will remain the same. XX/XX/XXXX to current date of XX/XX/XXXX. I have placed calls to SN Servicing Corp. re : the status of my request. There is no updated information to provide me. Apparently, since they will no longer be my Lender as of XX/XX/XXXX, they have completely dropped the ball in even responding to my requests. At this point, my balloon payment is due. As of XX/XX/XXXX I will have a new lender, who will inevitably send me a foreclosure letter. SN Servicing Corp. has violated the guidelines of RESPA and the CFPB Bulletin 2021-02 : Supervision and Enforcement Priorities Regarding Housing Insecurity, their actions have forced me to have to file Chapter XXXX Bankruptcy. Im writing to your agency asking that SN Servicing Corporation be investigated. Their actions have not been that of a Lender willing to work with a homeowner in financial distress, but instead SN Servicing Corporation is nothing but a scam in the guise of a lending company.
12/16/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 31322	Web
The estate trustee, XXXX XXXX, believes her deceased mothers, XXXX XXXX XXXX consumer rights were violated by the lender, XXXX XXXX XXXX in XXXX during the loan modification process. She believes the loan was modified under predatory terms with erroneous and unsubstantiated fees and added costs. Now the complainant is unable to refinance the loan into her name due to the loan is underwater. She would be able to refinance if the erroneous amount of {$33000.00} is removed from the loan. On XX/XX/XXXX, the home was purchased by XXXX XXXX XXXX. The lender was XXXX XXXX. The amount of the mortgage loan was {$170000.00}. ( see attachment XXXX XX/XX/XXXX the loan was assigned to XXXX XXXX XXXX. ( see attachment ) At the end of XX/XX/XXXX and during XXXX was diagnosed with a life-threatening illness ; the homeowner became ill and missed her mortgage payments. She had submitted at least three applications during the period to request a loan modification from the lender. From XXXX through XX/XX/XXXX, the homeowner received correspondence stating that her 3 requests for a loan modification were denied ( see attachments ). On XX/XX/XXXX, the homeowner signed a loan modification agreement that increased the loan amount from approximately {$170000.00} to {$210000.00} XXXX see the loan document ). The homeowner was confused because she had received correspondence that her request for a loan modification was denied. She called the lender because the amount of her loan would increase by over {$30000.00}. She was told to take the loan option or look for the lender to foreclose on the property. According to the loan agreement, the lender had added an erroneous amount of {$33000.00} to the loan instrument. There was no documentation to support the additional amount of up to {$33000.00} to be added to the mortgage during the loan modification period. In fear of losing her home, Ms. XXXX XXXX XXXX homeowner ) signed the agreement. The daughter was unaware that her mother had signed a loan modification agreement. It was not until the daughter opened her mothers mortgage statement that she saw that the loan amount on the house had increased significantly. The daughter asked her mother to explain what happened. The mother stated she had missed 90 days of loan payments due to her hospital stays and medical treatments and she had to request a loan modification, otherwise the home would go into foreclosure. The borrower explained to her daughter that the lender stated that in order to stay in the home she had to agree to the loan increase ; therefore she signed the agreement with no explanation of the reason for the added erroneous {$33000.00} to the balance of the loan. Since XXXX both the homeowner and her daughter attempted to resolve the erroneous additions to the loan. The homeowner had asked for an investigation into the matter. XXXX XXXX XXXX ignored the homeowners inquiries into the matter. They requested a fee schedule to substantiate the additional up to {$33000.00} added to the balance of the loan. The homeowner and her daughter continued to pay her mortgage. In XX/XX/XXXX, the homeowner received correspondence stating that a document had been filed in the courts, Affidavit Affecting Title ( see attachment ). In XX/XX/XXXX the homeowner received notification of an Assignment of Security Deed. The amount on the assignment is {$170000.00} and not the {$210000.00} as stated in the loan modification agreement signed on XX/XX/XXXX, by the homeowner. The daughter began to inquire of XXXX XXXX XXXX, but with no prevail. The assignment was recorded twice on XX/XX/XXXX and XX/XX/XXXX In XXXX - XX/XX/XXXX the homeowner received several notifications of changes made to the security of the loan. There was Corporate Assignment of Security Deed. The recording was filed three times. o Record First recorded XX/XX/XXXX o Record Second recorded XX/XX/XXXX o Record Third recorded XX/XX/XXXX o The amount on the document stated {$170000.00} and not the {$210000.00}. The daughter began to inquire of XXXX XXXX XXXX and of XXXX XXXX XXXX ( as stated by the new document ), but with no prevail. Corrective Assignment of Security Deed. The recording was filed three times o Record First recorded XX/XX/XXXX and XX/XX/XXXX o Record Second recorded XX/XX/XXXX o Record Third recorded XX/XX/XXXX o Record Fourth recorded XX/XX/XXXX o The documents referenced the amount of {$170000.00} and not the {$210000.00} under the loan modification agreement. From XXXX through XXXX the mortgage changed to five ( 5 ) different servicers, making it difficult for the homeowner to know who to send her monthly mortgage payments to. In XX/XX/XXXX the mortgage was transferred to a new servicer, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as Owner Trustee of the XXXX XXXX XXXX XXXX XXXX. Then it was transferred to XXXX XXXX XXXX XXXX XXXX as Trustee of the XXXX XXXX XXXX XXXX. The documents referenced the amount of {$170000.00} and not the {$210000.00} under the loan modification agreement. She sent payments to the last statement received, XXXX XXXX XXXX. Once XXXX XXXX XXXX transferred the loan to a servicer, the lender did not record that payments were received by the homeowner. The next lender then transferred it to another servicer ; they too did not have proof of the payments that the homeowner paid, although the homeowner provided proof through bank statements and canceled checks. This continued from one lender to the next. In XXXX, again, the homeowner found out that she was sending her mortgage payments to the incorrect servicer, and the new servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX had not received any of the mortgage payments paid to the prior servicer. The servicers records showed that the payoff amount was {$220000.00}. An amount that is {$10000.00} above the previous balance from the prior servicer. The daughter attempted to make inquires to investigate the cause of the discrepancies. The servicer stated they could not see what happened in XXXX, therefore the amount owed is the amount showed in their records. On XX/XX/XXXX, the homeowner/borrower died. The daughter XXXX XXXX continued to make payments on the loan to the newest servicer, SNSC.. It was not until XX/XX/XXXX that SNSC emailed instructions to allow daughter, XXXX XXXX, of the mortgage loan borrower, XXXX XXXX, to access and have the authorization to obtain account information about the mortgage loan. She outlined to SNSC the chronological events and the current loan amount has erroneous fees In XX/XX/XXXX XXXX XXXX requested a loan modification due to the COVID-19 pandemic. She submitted all necessary documentation. On XX/XX/XXXX, she received approval for a loan modification agreement. The estate trustee, XXXX XXXX, has stated that she has asked each lender and servicer to investigate the erroneous and unsubstantiated amount of over {$33000.00} to the loan modification loan in XXXX. She believes she is hostage to the current upside-down loan amount erroneous and unsubstantiated costs added to the original loan of {$170000.00}. XXXX XXXX XXXX refused to remove the fees on the loan, and all the transfers of the loan to various services make it difficult for XXXX XXXX to refinance the loan into her name. The consumer refuses to accept the loan modification offer or refinance the loan under the current conditions because she believes XXXX XXXX applied the erroneous amounts to strip her mother from the equity in her home and diminishing any opportunity to refinance with another lender without incorporating the erroneous fee into the new mortgage. The homeowner is requesting the CFPB to investigate the reason for the lenders applying the erroneous {$33000.00} during her mothers loan modification agreement. This application is keeping her from the opportunity to refinance her loan in order to get a low-interest rate. She believes her mother was given a predatory loan because she was desperate to keep her home while she was attempting to concentrate on healing from a life-threatening XXXX. She wants the erroneous {$33000.00} removed from the loan so that he can refinance at a lower interest rate into her name.
05/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94547	Web	Older American
On XX/XX/XXXX SN Servicing Corporation received my loan from XXXX XXXX XXXX XXXX XXXX. Due the fact that the previous Servicer, XXXX, mishandling my account I called SN Servicing onXX/XX/XXXXto get an account number for paying my payment because the Transfer Notice from XXXX did not have one. During that conversation, I was told to send my insurance declaration, which my carrier had already completed because XXXX and it was ready to be mailed because XXXX had failed to accept my hazard insurance until I wrote two letters of " Errors Resolution '' indicating in both that I had hazard insurance and for them to remove force-placed insurance on my loan. Before XXXX transferred my loan, a customer service representative stated the force-place insurance was remove/paid? by XXXX XXXX XXXX XXXX the originator of my loan to XXXX. In fact, I completed a compliant on CFPB online compliant portal about XXXX placing force-place insurance on my loan, before transferring it. Their response was that they never placed lender place ins on my loan and they never disbursed any funds for that insurance ; they went on to say that I had XXXX XXXX ins on my loan -- -- - But when XXXX transferred my loan to SN Servicing, I received a Notice of Transfer on XX/XX/XXXX and a statement that " SN Servicing Corp will NOT continue to accept your insurance payments as a part of your monthly loan payment nor will it be responsible for the continuation of any such optional insurance coverage '' NOTICE that statement, they said they will no longer continue to accept my payments for insurance in my monthly payment. First of all, they only got the transfer of my loan on XX/XX/XXXX and I made one regular payment and they make the mistake of saying that they have been receiving payments for insurance from me on this loan. It is a lie and a continuation of the Fraud that I have been experiencing since XX/XX/XXXX. ( First with XXXX who transferred the loan to XXXX and now SN Servicing ) -- -- By XX/XX/XXXX I received a letter stating that there was a shortage of {$130.00} on my loan payment. Well that is the same amount that XXXX was attempting to extort from me and I do not owe it. I have had hazard insurance for 10 years with no lapse in coverage. SN Servicing have my declaration in their office and that was verified by their own admission in XX/XX/XXXX. So, I can only surmise that each of these Servicers are working in tandem with each other in an effort to place force place insurance on my loan even though I already have it. Or they are retaliating against me because I filed Chapter XXXX. -- -- On top of all of this, SN Servicing go as far as stating in their letter of XX/XX/XXXX, that their collection for the insurance, $ XXXX/mo is `` A STEP IN THE ENFORCEMENT OF A MORTGAGE LIEN AGAINST YOUR PROPERTY '', a treat if I don't pay a charge that I do not owe and a charge which is a FRAUD. They misrepresent the facts. They told me I have an escrow account. Well that was cleared under the previous Servicer. However, SN Servicing goes a step further and states that I have a shortage in my escrow account. -- -In fact, I do not have an escrow account. Before the transfer an error with {$1600.00} in an escrow account placed there by XXXX was I'm told, on XX/XX/XXXX by a customer rep at XXXX, that the escrow balance that had force place insurance it was {$0.00} ; This entire scheme is a scam to steal {$3500.00} in arrearage that I paid on the loan through a court order Plan for two months payments, which were to be applied to the loan principal and interest ; those funds were in a MISC account on XX/XX/XXXX and when the loan was transferred to XXXX ; -- -- -- By the time XXXX transferred the loan, they pocketed {$2300.00} ( Since I don't receive any statements and don't know where that money went, they pocketed it until they tell otherwise and they can send me documents showing what happen to that money ) and they transferred {$1200.00} per SN Servicing customer rep. ; So the distraction for force place insurance is a cover up to stealing mortgage payments from my knowledge. SN Servicing is on board in the scheme and are waiting to pounce on my property. How can SN Servicing make the mistake that I owe money on a balance in a fraudulent escrow account when in fact those funds were paid by me through the court to be applied to my loan as stated above. While SN Servicing is harassing me and with extortion, they commit a crime by stealing funds I paid on my loan knowingly as of XX/XX/XXXX ; XXXX was prohibited from servicing mortgages in California in XX/XX/XXXXby the Dept of Business Oversight ; In a settlement due to servicing violations, they had to pay {$25.00} million cash payment before it could acquire new servicing rights. So, what have they been doing, using affiliates to collect their lender place insurance program on loans? I want SN Servicing Corporation, since they now have my loan to review my loan files and tell me how the total of {$3500.00} money I paid on the loan were disbursed on the loan ; tell me what happen to {$2300.00} that XXXX did not send to them. My guess is that XXXX used money in MISC account to collect late fees created illegally because they assessed me force placed insurance prior to the 45-day notice was completed and no 25-day notice was sent. They simply failed to use Regulation X procedures 12 CFR 1024 ( g ) ( G ) which states you cancel the force placed insurance ; if they incurred late fees, they eat it because they failed to follow the rules resulting in a shortage from the MISC account. SN Servicing need to get {$490.00} from XXXX and put it with the {$1200.00} and add that amount which is {$1700.00} to my loan. -- -- Lastly SN Servicing customer service representatives are very nice and pleasant, and take care of your needs/questions. It's someone at the top who's -- the big guns who's doing the scheme and scam in my opinion. The customer reps don't know what is going on behind the scenes in the company. In one conversation with a rep at XXXX, I was put on hold and upon the reps return I was told that " they '' had been working on my loan on the XXXX, XXXX, XXXX and XXXX. Yes, what are you doing to my loan?? All telling. In their letter of XX/XX/XXXX, they say my mortgage adjustable rate changed and for me to refer to the one XXXX previously sent to me. What's they got to do it? XXXX 's adjustable rate change included force placed insurance a fraud ; I learned that my adjustable rate decreased and my regular payment is {$1700.00} instead of {$1700.00}. I haven't received a current adjustable rate change yet and they are required to send a notice. These three Servicers are in bed together and their goal is to foreclose on homeowner 's property through fault statements and misrepresentation in their correspondence, reporting fraud information to the credit bureau, threats, falsehoods, deception, breaking federal and state laws. Enough!
08/20/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL XXXXX	Web	Older American
1. Respondent XXXX XXXX XXXX agents burglarized my home on XX/XX/XXXX, based on false assertions that our home is unoccupied. 2. There wasn't any court order or judgment. 3. I owe no money to XXXX XXXX, which is pursuing meritless foreclosure litigation originally filed by FNMA. 4. Our motions to dismiss for lack of standing is pending in Circuit Court. 5. A prior meritless foreclosure case by XXXX XXXX XXXX on the same non-existent mortgage note was resolved in our favor, with that bank found to lack standing, held in contempt of court, and ordered to pay our attorneys fees. That case was dismissed after six years and one day. 6. XXXX XXXX hired SN Servicing, which well knows I live in my home, 7. Acting on behalf of XXXX XXXX, SN hired XXXX XXXX XXXX XXXX, of XXXX, N.J, which hired XXXX XXXX XXXX of XXXX, Florida, which hired XXXX 's XXXX XXXX XXXX ( XXXX ) of XXXX, Florida. 8. XXXX 's corporate charter expired in XXXX. 9. XXXX, was XXXX XXXX XXXX agent. 10. On behalf of XXXX XXXX, XXXX burglarized my home on XX/XX/XXXX. 11. The CEO of XXXX XXXX has since apologized. 12. I am waiting to learn : Who are the beneficial owners of the trust that XXXX XXXX worked for in ordering burglary of my home? 13. I await a proposal from XXXX XXXX, its law firm, servicer and other agents, whose corporate burglars broke my back door lock, walked around my house, saw me napping, called 911 and reported me dead. 14. U.S. BANKS 's hirelings walked around my house without COVID-19 face masks, as did local police. 15. XXXX XXXX XXXX hirelings told police and EMT that I was not supposed to be in my own house. 16. XXXX XXXX has caused damage to me in the community, where I am a candidate for office oh the XX/XX/XXXX ballot, as this event was reported in Historic City News, a local online hate website. 17. XXXX XXXX authorized its burglars to break into my backyard, break into the back door, change the lock and cut down our tropical plants and trees. 18. XXXX XXXX is acting pursuant to a pattern of activity that violates RICO. 19. Please initiate a civil, criminal and administrative investigation of XXXX XXXX. 20. Please subpoena and take depositions re : JXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida, XXXX ; XXXX President XXXX XXXX XXXX and VP XXXX XXXX XXXX, advancing XXXX XXXX XXXX unlicensed, unethical, tortious and criminal activity, including burglary and elder financial abuse, to wit, claiming to represent " the bank '' and breaking the rear door lock and making illegal entry into my home, threatening to cut down trees and tropical plants. 21. When caught, XXXX refused to replace the rear door lock it admittedly destroyed. XXXX is an illegal corporation, whose Florida corporate charter expired on XX/XX/XXXX. Please see Secretary of State 's record, below, establishing beyond XXXX that XXXX 'XXXX XXXX XXXX XXXX was not authorized to do business in Florida on the day of the burglary. 22. XXXX has not been authorized to do business in the State of Florida for some two years and two months.. 23. Two ( 2 ) other corporations were owned by XXXX XXXX XXXX, but each has an expired corporate charter : XXXX, XXXX ( expired XXXX, no annual report ever filed ) ; and XXXX XXXX XXXX XXXX, ( expired XXXX, no annual report ever filed ). XXXX. XXXX XXXX has no other corporations registered with the Florida Secretary of State. Without a corporate charter, XXXX, this long-defunct and expired corporation, has no right to do business and hold itself out as a corporation in the State of Florida. See Florida Statute 617.140Effect of dissolution, stating, " ( 1 ) A dissolved corporation continues its corporate existence but may not conduct its affairs except to the extent appropriate to wind up and liquidate its affairs ... '' XXXX 'XXXX XXXX XXXX XXXX XXXX unlicensed Real Estate activity concerning my homestead property on XX/XX/XXXX was illegal, unethical, tortious and criminal. 25. XXXX has no Florida Real Estate license, though its agent told the XXXX XXXX Police and me that it was acting as a " property manager '' for " the bank. '' 26. The Florida Department of Business and Professional Regulation ( DBPR ) website shows that there is no Florida Real Estate license for either of the expired corporation 's principals, President XXXX XXXX XXXX and Vice President XXXX XXXX XXXX. 27. XXXX 's President, Ms. XXXX XXXX, sent two men, Messrs. XXXX XXXX and XXXX XXXX, who are brothers, to my home on XX/XX/XXXX, without legal authority, purporting to act on behalf of " the bank. '' 28. The two men burglarized my home, breaking and entering from the back door. 29. Mr. XXXX XXXX saw me napping, and then called the XXXX XXXX Police. 30 Mr. XXXX XXXX claimed that he thought that I was " dead. '' 31. In fact, i was taking a nap. 32. My peaceful quiet enjoyment of my private property was violated by Respondents, whose reckless actions put my life at risk on XX/XX/XXXX. 33. As XXXX XXXX said, " the reports of my death were greatly exaggerated. '' 34. Mr. XXXX XXXX, told me that he was directed by XXXX XXXX to break into our home from the rear and to cut down our trees and tropical plants to prepare our home for sale. 35. Mr. XXXX XXXX told me that he had just finished working for XXXX XXXX XXXX XXXX XXXX on two ( 2 ) other properties, in adjoining counties. 36. Thus, XXXX appears to have a routine pattern and practice of unlicensed activity, 37. Again, Florida Secretary of State Records show XXXX ; s corporate charter expired in XXXX, 38. XXXX never filed any annual reports, violating Florida law, 39. XXXX 's two principals are apparently working out of a residence, at XXXX XXXX XXXX, XXXX, Florida, which is the address that Messrs. XXXX XXXX and XXXX XXXX gave too XXXX. 40. XXXX XXXX caused its agent XXXX 's XXXX XXXX XXXX, to directed the burglary of my home, without a court order or any legal authority. 41. Please undertake a thorough investigation. 42. Florida Secretary of State records proving XXXX 'S XXXX XXXX XXXX 'S lack of a valid corporate chapter follow, establishing beyond peradventure that its actions on XX/XX/XXXX were illegal and ultra vires : Detail by Entity Name Florida Profit Corporation XXXX XXXX XXXX XXXX XXXX Filing Information Document Number XXXX FEI/EIN Number NONE Date Filed XX/XX/XXXX State FL Status INACTIVE Last Event ADMIN DISSOLUTION FOR ANNUAL REPORT Event Date Filed XX/XX/XXXX Event Effective Date NONE Principal Address XXXX XXXX XXXX XXXX, FL XXXX Mailing Address XXXX XXXX XXXX XXXX, FL XXXX Registered Agent Name & Address XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Officer/Director Detail Name & Address Title P XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Title VP HEAD, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- XXXX Annual Reports No Annual Reports Filed Document Images XX/XX/XXXX -- Domestic Profit View image in PDF format
02/03/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98011	Web	Servicemember
To whom this may concern, I am at my wits end! I am in the most frustrating situation ever! I have never been late on a mortgage payment since I was approved for a loan modification almost two years ago now, yet due to the insanity of my new mortgage servicing company, I am now over 30 days late, when all my payments should be on time, as I pay them on time. I was approved for a loan modification, with the help of a Washington State mediator ( XXXX had denied my modification 5xs, until I finally had a mediator ) with my mortgage servicing company, XXXX XXXX XXXX. My loan was approved with around 30,000 additional principal somehow added to my loan. Ok, fair enough no problem. My payment with principal, interest, taxes and mortgage insurance ( which I dont need anymore mortgage insurance anymore, but we can save that for another time ) came to {$2100.00}. The breakdown is 5.125 % interest, {$1800.00} for principal and interest, plus {$330.00} for escrow ( I only pay taxes and mortgage insurance through escrow ). My first payment was XX/XX/XXXX. Then in XX/XX/XXXX my loan was sold to XXXX. Then in XX/XX/XXXX I was told that XXXX was putting required HOI ( insurance ) on my loan and that my escrow had a huge balance for HOI in the amount of roughly {$3000.00} due to this forced lender provided HOI they were putting on my loan. I told them thats crazy and that I had insurance that is paid through the HOA ( home owner association ). I had my insurance rep send in all my information to prove this and they told me that it has been updated, but that I need to pay at least {$1200.00} to stay current and that it would be refunded to me in the next billing cycle. Next billing cycle comes and Im told that my HOI had been fixed and updated and that the {$1200.00} I paid was " refunded '' by being rolled up into my loan and reduced some of the balance. Ok, I saw no proof of this, but I took their word that everything was solved. I wanted the cash back, but oh well, I wrote it off as a loss. Then I was told a month later that my loan was sold to SN Servicing Corp, my new lender. Ok, I actually liked the ease at which I made my payments. My payments were now {$2100.00} and everything was going just fine! Then one day in XX/XX/XXXX, I was called by a lady from SN Servicing named XXXX XXXX to tell me that I dont have HOI insurance and that the lender was putting forced HOI on my loan and that I owed {$800.00} for XXXX, {$800.00} for XXXX and that my payments would only go up by {$300.00} starting in XX/XX/XXXX. Ok, this freaked me out so bad, I could never afford this! This was bigger than a new car payment, PLUS AGAIN, I DONT NEED HOI I ALREADY AM COVERED!!!! I was told that once SN Servicing is satisfied by proving I have HOI through my HOA, I would get the $ XXXX refunded. So I actually paid the additional {$800.00} in XXXX to keep my loan from going into delinquency, all the while I had my insurance agent sent them all the docs, once again, I had to go through the same song and dance nightmare as before with XXXX. I have an email chain from my insurance agent proving to SN and XXXX that I have insurance. Then in XX/XX/XXXX, XXXX tells me that my payment will still be going up {$300.00} because I dont have interior insurance. Once again I had my insurance agent PROVE that I had interior and exterior insurance. XXXX asked the insurance agent to do some paper work and all is fixed! ... Right? ... NOPE! Then in the first week of XXXX, I get a letter from SN Servicing saying that because I didnt pay their forced HOI, I am now over 30 days late and I have a {$200.00} late fee I have to pay. So I reached out to XXXX and she said she updated my insurance and that now my agent is XXXX XXXX, who helps borrowers who are falling under payments ( so she deals with loan mods, etc ). Ok, but I dont need any of this because I was making my payments just fine! But it didnt matter, now XXXX is my new case/account manager. Ok, great. So I am beyond furious right and I dont trust them. I used my non profit housing counselor, who helped secure my loan mod, to help me. We called in and spoke with XXXX together on XX/XX/XXXX. When we spoke to XXXX, she was very kind and nice, but she didnt know anything and was simply guessing. She said " dont worry, we have your insurance, but your payment has only gone up by {$200.00} per month starting in XX/XX/XXXX '' ok, I dont see why. She said its because of taxes. Ok, so my taxes went up {$1200.00} for every 6 months? That makes absolutely no sense! I went to city hall to get a tax bill and no my taxes didnt go up that much, no even close. She then said I still owed {$2000.00} from my previous escrow shortgage, oh and the {$800.00} in addition I paid in XXXX cant be accounted for and just went into a black hole. My housing counselor tried to get this clear and we found out that SN Servicing inherited a {$3000.00} escrow shortgage. But thats impossible, because my payments included taxes and mortgage insurance. Oh, but I recognized that {$3000.00} number. thats from the lender forced HOI from XXXX. So they never actually fixed and updated my insurance and they stole my {$1200.00} extra payment I made and just simply sold the loan to SN Servicing without updating my HOI. To make this all simple. I only need to pay principal, interest, taxes and mortgage insurance and that was always apart of my payment. How then on earth could I have an escrow shortgage of {$3000.00} from XXXX, ( who bought the loan mod from XXXX XXXX XXXX ), even after I paid {$1200.00} to that shortgage to XXXX, then I paid another {$800.00} to that balance in XX/XX/XXXX, yet I still owe {$3000.00}, plus my payment has gone up from {$2100.00} to {$2300.00}, all from tax increase? This is insanity! I have no protection, i am just being hustled and the stress level my wife and are going through is unbearable. I am beyond sad, I just need help! I was told to reach out by an attorney.
02/28/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	KY XXXXX	Web
On this reported date, XX/XX/XXXX received, XX/XX/XXXX, XXXX XXXX XXXX, transferred my loan to SN SERVICING CORPORATION, inaccurately reported to the Credit Bureau, my loan or account status as : Loan modified NOT under a federal government plan. According to the credit bureau report ( attached file ), YOU'VE CHANGED MY LOAN MODIFICATION WITHOUT my consent!!! This move is illegal and I've filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), Attorney General, XXXX XXXX of The State of California where XXXX XXXX XXXX and SN SERVICING CORPORATION headquarter 's are located. I've also filed a compalint with Attorney General, XXXX XXXX of The State of Kentucky where I live. Both XXXX XXXX XXXX and SN SERVICING CORPORATION have FAILED to honor MY ORIGINAL loan modification agreement ( attached ) with XXXX, the orignal servicer. This credit report is proof that XXXX XXXX XXXX and SN SERVICING CORPORATION have FAILED to honor mortgage servicing rules requiring the old servicer, XXXX XXXX XXXX to send the new servicer, SN SERVICING CORPORATION any information showing the CURRENT STATUS of discussions with the borrower, ME regarding a loan modification, WHICH XXXX XXXX DID NOT DO -- I HAVE NOT SPOKEN TO XXXX nor HAS XXXX TRIED TO CALL ME!!!! and UNDER FEDERAL RULES, the new servicer, SN SERVICING CORPORATION MUST also have policies and procedures in place ( WHICH OBVIOUSLY THEY DO NOT HAVE IN PLACE ) to ensure that it HONORS ( WHICH IT HASN'T ) EXISTING loan modification agreements ( attached ). Further violations : On XX/XX/XXXX, according to the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS ( attached & highlighted ) from the old servicer, XXXX XXXX which stated " NOTHING ELSE ABOUT YOUR MORTGAGE LOAN WILL CHANGE '', well obviously this ISN '' T TRUE according to the attached credit bureau reports WHICH STATES : " Loan modified NOT under a federal government plan '' AND " Foreclosure process started ''!!!! This NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS CONTAINS NO LOAN NUM BER FOR the new servicer SN SERVICING CORPORATION. Secondly, I've received no monthly statements showing what my balance is and what I should pay monthly on my mortgage even though this same NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS which contains NO LOAN NUM BER, states " SN SERVICING CORPORATION WILL START ACCEPTING PAYMENTS RECEIVED FROM YOU on XX/XX/XXXX. '' Since both you, XXXX XXXX XXXX and SN SERVICING CORPORATION signed an XXXX ; you are both required to follow the guidelines within the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2. THE ABOVE IS AN INACCURATE ENTRY ON MY CREDIT REPORT per the Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2 ; Specifically SECTION 12.2 Credit Bureau Reporting : that states, '' Servicers should report a " full file '' status report to the credit reporting agencies for each loan under HAMP in accordance with the Fair Credit Reporting Act as well as other applicable laws and credit bureau requirements as provided by the Consumer Data Industry Association ( CDIA ). " Full-file '' reporting means that the servicer must describe the exact status of each mortgage it is servicing as of the last business day of each month. '' First of all, Since SN SERVICING CORPORATION acquired this loan from XXXX XXXX XXXX on XX/XX/XXXX and I received the notification in the mail of the transfer, I have not heard from SN SERVICING CORPORATION. They have not mailed me my monthly statements showing what my balance is and what I should pay monthly on my mortgage even though the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS which contains NO LOAN NUM BER, states SN SERVICING CORPORATION would start to receive payments from me on XX/XX/XXXX. There has been no introduction of a relationship manager to this date. If they did call me, they didn't leave a message. Please mail me my MONTHLY statements, showing what my balance is and what I should pay monthly on my mortgage. If you had consistently mailed me monthly statements, then I would know what to pay and you wouldn't need to make the following inaccuracies : PLEASE CORRECT ON MY CREDIT REPORT ASAP. SINCE YOU HAVE NOT FOLLOWED THROUGH ON THE FOLLOWING, THEN YOU'RE IN VIOLATION OF SECTION 9. Permanent Modification, OF THE Making Home Affordable ( R ) Program Handbook for Servicers of Non-GSE Mortgages, Version 5.2 ; Specifically SECTION 9.4 Re-default and Loss of Good Standing, Paragraph 4. MAINLY this section : " In the event a borrower defaults on the modified loan, the servicer must work with the borrower to cure the modified loan ( YOU HAVE NOT DONE THIS ). If this is not possible the servicer must-evaluate the borrower for any other loss mitigation alternatives, e.g., HAFA ( YOU HAVE NOT DONE THIS ), prior to commencing foreclosure proceedings ( YOU HAVE DONE THIS ). All of the above are VIOLATIONS of the MHA Handbook Version 5.2 SECTION 3 Protections Against Unnecessary Foreclosure ; SECTIONS 2.2 and 3.4 of Chapter II, respectively. Also, this is a VIOLATION of the MHA Handbook Version 5.2, Chapter IV. Home Affordable Foreclosure Alternatives Program ( HAFA ), Specifically SECTION 3 HAFA Consideration that state : '' Borrowers that meet the eligibility criteria for HAMP but who default on a permanent HAMP modification should first be considered for other loan modification or retention programs ( YOU HAVE NOT DONE THIS ) offered by the servicer prior to being evaluated for HAFA. Notwithstanding the foregoing, Consumer Financial Protection Bureau ( CFPB ) Regulations may require a servicer to consider a borrower for HAFA contemporaneously with considering the borrower for HAMP and other home retention options. '' How can this be when SN SERVICING CORPORATION HAS NOT tried to work with me per the MHA Handbook Version 5.2 Guide?
04/30/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 07017	Web
Please see below the timeline of events that have occurred. I am very upset and frustrated as SN Servicing is refusing to conduct an interior appraisal on my property. In addition, they have also come up with a value that is ridiculously high for the property as it needs a lot of work and they have no comparables or justification for that value as they have refused multiple times to conduct their own appraisal. They made me pay for my own appraisal from a third-party licensed appraiser and still refused to accept the value that was determined. They then went as far as saying that they would prefer to just foreclose on my property and fix it and flip it themselves. The reason I fell behind on my payments was that I got ill and had XXXX and was not able to work. This whole situation is absurd and now that I am trying to fix it, they have been very uncooperative and have not abided by the guidelines that are set forth to protect consumers like me. Had it not been for the CFPB and the public Regulation X guidelines I would have never known that I was being taken advantage of by SN Servicing. I am finally able to fix my situation as well and have cooperated through out the process and did all the correct things by listing the property and getting an offer that can fix my situation now SN does not want to cooperate and have no basis or proof to their argument as they would rather just foreclose on me. XX/XX/XXXX XXXX XXXX said that they would prefer to foreclose on the home and repair it and sell it themselves. XX/XX/XXXX We discovered that there is a XXXX tax lien and SN servicing or the note investor does not want to pay for it. XX/XX/XXXX We received an offer however, with the tax lien it is not enough to close. XX/XX/XXXX : 3rd party appraisal was denied - bank wants to net $ XXXX - Need to determine next steps. XX/XX/XXXX : Received new appraisal - emailed and faxed to SN Servicing XX/XX/XXXX : Received response back from XXXX @ SN Servicing Value is internal - Bank is needing a counter of $ XXXX net. Asking for our offer. Appraiser is working on revising the appraisal tonight. I let XXXX at SN Servicing know that we have a 3rd party appraisal and asked where to send. You can send to me but again it does not guarantee that the investor will change their stance. XX/XX/XXXX : Received the following email from XXXX at SN Servicing Corp This short sale offer was denied and countered at $ XXXX net. Replied back to her asking her what value her counteroffer was based on. XX/XX/XXXX : Emailed SN Servicing if they have an appraisal, and received the following response. * We do not provide appraisals. It is the homeowner 's responsibility to have their own home appraised. . XX/XX/XXXX : Emailed XXXX the following Updated offer of $ XXXX XXXX XXXX w/o relocation assistance XX/XX/XXXX : Received an email from XXXX Hello , Upon review - we need the following errors corrected. The HUD form needs to be signed. No relocation funds to the borrower - these funds need to be going to SN. Commission cap at 5 % split. Is this the highest offer you have? Please see the payoff requested attached. Thank you, XXXX XXXX XX/XX/XXXX : The appraisal is in the XXXX XXXX that we conducted on our own ( $ XXXX ) Spoke to the Seller to update him before the weekend that all docs have been submitted. SN refused to conduct their own independent appraisal. XXXX XXXX : Emailed and Faxed the following to SN Servicing and the single point of contact XXXX THIRD PARTY AUTHORIZATION PAYOFF REQUEST REQUEST FOR MORTGAGE ASSISTANCE BORROWERS FINANCIALS REALTOR LISTING AGREEMENT BUYERS PURCHASE AGREEMENT BUYERS PROOF OF FUNDS XXXX / SETTLEMENT STATEMENT XX/XX/XXXX : Called SN Servicing, they still do not have the results from the attorney yet. Called Foreclosing attorney and the sale did NOT go through. XX/XX/XXXX : Called SN Servicing - Foreclosure Results requested and not back yet. XXXX Need to re-submit a full package XX/XX/XXXX : Bankruptcy Docs to bring to court on Monday to get the auction Stayed XX/XX/XXXX : Received an email from an assigned specialist at SN Servicing XXXX - Hello, The investor will not review as we have a sale date set for XX/XX/XXXX. Thank you, XXXX XXXX XX/XX/XXXX : Got my XXXX filled out. Emailed Short Sale Package to SN Servicing. Missing recent 2 months bank statements, 2 months pay stubs. Emailed and Faxed the following to SN Servicing THIRD PARTY AUTHORIZATION REQUEST FOR PAYOFF REQUEST FOR MORTGAGE ASSISTANCE XXXX REALTOR LISTING AGREEMENT BUYERS PURCHASE AGREEMENT BUYERS PROOF OF FUNDS BUYERS MEMBER DOCS XXXX SETTLEMENT STATEMENT XX/XX/XXXX : Got Foreclosing attorney info - Foreclosure scheduled for XXXX XX/XX/XXXX : Prepared list of needed items for XXXX XX/XX/XXXX : Received an email from XXXX XXXX Asset Manager - That she received the ATR and Payoff Request. XX/XX/XXXX : Emailed and Faxed the following to SN Servicing Corp THIRD-PARTY AUTHORIZATION Payoff Request Missing XXXX XXXX XXXX XXXX Pay Stubs, Bank Statements , Tax Returns, Buyer POF, Buyer Member Docs, XXXX
07/28/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21045	Web
I need help with my Mortgage Company SN Serving Corporation as they are saying I owe over {$5000.00} post petition. Which is not correct. I originally was told last year that they never received my XXXX and XX/XX/XXXX mortgage payment. I send them to ( XXXX XXXX ) copies of the cancelled checks via email as well as mailed copies. I sent numerous emails to XXXX XXXX but never received a response back. My first email to XXXX XXXX ( SN Serving Corp was on XXXX XXXX, I never received a response back. I then sent another email to XXXX XXXX on XX/XX/XXXX and never received a response. To date, I never ever received any response back from her. I spoke to a person named XXXX XXXX ( SN Serving Corporaton ) and he sent me a spreadsheet and told me to match it up with my records as he would not tell me where this {$5200.00} post petition monies that I supposedly owe is for. I then was told that they didnt receive my XX/XX/XXXX or my XX/XX/XXXX mortgage payment. I sent XXXX XXXX an email on XX/XX/XXXX and attached a letter from XXXX XXXX XXXX to prove I paid them XX/XX/XXXX mortgage payment as they were my Mortgage Company at that time. He said the letter was not good enough and that I needed to provide a copy of the cancelled check. I then had to request a copy of my canceled check from my bank. I sent XXXX XXXX an email on XX/XX/XXXX and never received a reply back. I sent XXXX XXXX another email on XX/XX/XXXX and attached copies of my XX/XX/XXXX and XX/XX/XXXX canceled Mortgage payments. In that email I told him I noticed on their Spreadsheet that my XX/XX/XXXX and XX/XX/XXXX mortgage payments were applied to a Suspense account instead of my Mortgage loan and it said on their spreadsheet partial payment, which they WERE not partial payments. I paid what was billed to me. So they are definitely not partial payments. I also left him a voice mail message. I never got a call back or a response to my XX/XX/XXXX email or voice mail message I left him. I then sent another email on XX/XX/XXXX as well as called him but had to leave another voice mail message. He finally responded to my email but was very rude and not helpful. Said there were no adjustments that needed to be made and that if a partial or overpayment is made, it is put into a suspense account. I told him those were not partial payments and that those payments need to be applied to my Mortgage loan account. His response was all funds are accounted for which is not correct. Also the 2 months mortgage payments XX/XX/XXXX and XX/XX/XXXX, do not equal the {$5200.00} that they are claiming I owe in Post petition. He kept telling me to match my payments up with the spreadsheet that he sent me. If I supposedly owe this money, then they should know what this amount is for. XX/XX/XXXX Mortgage payment was for {$1100.00} and my XX/XX/XXXX Mortgage was for {$1100.00} which as you can see does not equal the {$5200.00} that shows owed under Post Petition on my mortgage statements. The late charges they have been billing me for only accounts for approx. {$400.00}. I would think that if I supposedly owe all this money that they would know in detail what it is. All late charges need to be cleared off as well. I can prove that I have never been late paying my mortgage. He said I also agreed to pay approximately an additional {$270.00} since they have approximately {$900.00} monies unapplied and that would clear up 1 months mortgage payment. My response was that I do not have extra money to send nor do I owe any past due mortgage payments. As I have been current on my Mortgage payments since I filed Bankruptcy Chapter XXXX in XX/XX/XXXX. He keeps saying there is no adjustments that need to be made on my Mortgage loan and that I need to pay approximately and additional {$270.00} to clear up the unapplied monies they show. That unapplied monies is from my XX/XX/XXXX and XX/XX/XXXX Mortgage payments that they put in an Suspense account instead of my Mortgage loan. I also noticed on their spreadsheet that they keep taking monies from the suspense account. Which of course reduces the monies that I sent for XX/XX/XXXX and XX/XX/XXXX mortgage. This will hurt my Bankruptcy Chapter XXXX discharge as they will claim I owe all this money which I do not. They also have been charging me late fees which needs to be cleared off of my account. I need help in getting this cleared up as I have exhausted all my efforts with them. Their accounting records are incorrect and are not willing to correct their mistakes. This has caused me so much stress and anxiety. I can provide you any proof that you need to clear this up. Please let me know if I need to submit any other documents. I am including copies of my XX/XX/XXXX and XX/XX/XXXX mortgage canceled checks as well as the spreadsheet they sent me I also have all the emails I sent both people if you need those. Thank you so much
12/08/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NC 28262	Web
YOUR COMPANY RESPONDED TO A COMPLAINT I FILED AGAINST YOU ON XX/XX/XXXX. YOUR RESPONSE WAS A LIE! YOU WENT INTO MY HUSBAND 'S CHECKING ACCOUNT, GOT {$490.00} FOR A MORTGAGE PAYMENT I TRIED TO MAKE. YOU DID NOT TELL ME THE PAYMENT WAS GOING TO BE PROCESSED, WHAT DATE, OR COMING OUT OF WHAT ACCOUNT ETC. ( no disclosure statement ) YOU TOLD ME I NORMALLY PAY ON LINE AND HUNG UP. AFTER THAT, I PAID {$490.00} ON LINE XX/XX/XXXX. THEN, YOUR COMPANY TOOK {$500.00}. WHEN I CALLED TELLING YOU TO PUT THE MONEY BACK, YOU TOLD ME TO PROVE THAT YOU TOOK IT AND I DID JUST THAT. THE BANK STATEMENT PROVED THE MONEY WAS DEDUCTED MEANING YOU GOT THE MONEY BECAUSE IT WAS THERE. I CA N'T CREDIT ANYTHING BACK TO ANYBODY. YOU HAD TO CREDIT IT BACK. THEREFORE ; YOU LIED. YOU HAD TO RETRACT. YOU KNOW WE SHOULD NOT HAVE TO PAY {$25.00} ( NSF ) FEE FOR THIS MESS YOUR EMPLOYEE MADE. YOUR EMPLOYEE KNOWS SHE MADE THIS MESS. THAT IS WHY SHE TRIED TO TALK ME INTO LETTING THE PAYMENT STAND BY SAYING I GOT TO MAKE ANOTHER PAYMENT IN XX/XX/XXXX ANYWAY. YOU AND YOUR COMPANY SHOULD BE A SHAME OF YOUR SELF. IN YOUR RESPONSE, ALL YOU DID WAS GAVE INFORMATION. YOU DID NOT COVER THE REAL ISSUE. WHY DO WE HAVE TO GO THROUGH ALL OF THIS NON-SENSE ABOUT {$25.00} ( NSF ) IN WHICH THE MONEY WAS THERE ( you had to retract ). METHODS OF PAYMENTS ARE ON FILE. I PAY BY MAIL, ON LINE, OVER THE PHONE, MONEY ORDER ETC. WAIVE THE FEE IN QUESTION AND I REPEAT ... XX/XX/XXXX I called my mortgage company to make a payment of {$490.00}. The lady I talked to told me I normally paid on line and hung up on me. I told my husband, who was reclining in his chair in the living room like he normally does, that I called to make the house payment and the lady hung up on me and that I did not know if the payment was made or not. My husband and I decided to pay on line. A few days later we found that {$490.00} was deducted from my husband 's checking account ; {$500.00} was also deducted by the same company also. I called the company back ASAP asking why this company took {$500.00} without my permission and requested a refund of {$500.00}. The same lady tried to talk me into letting them keep the {$500.00} and that XX/XX/XXXX was coming up and that I was gon na have to make another payment anyway. I told her why would I want to make two payments and of a higher amount in which I tried to make a payment of {$490.00} with you in the beginning and to put the money back. She told me to go to the bank, get a statement proving they took the money in question and send them a fax. I did as requested of me and {$500.00} was credited to my husband 's account. The next month 's house payment for XX/XX/XXXX had a charge of {$25.00} ( NSF ). I called this company back asking why {$25.00} ( NSF ) charge is on my bill, the money was there when you took it in the first place without my husband 's consent and that I should not have to pay for something you did wrong and I asked to speak to some one in a higher position than her's.I talked to her supervisor, explained the situation at hand, requested to hear the recorded tape of quality assurance to prove that we did not give permission to go into the checking account. The supervisor told me she will get the tape from XXXX XXXX ( XXXX ) and will call me in a week. I had to call them back two weeks later. Then I was told that my husband gave permission and the supervisor left me with the impression that they can tell me or do just about anything they want.The first lady that I talked to left me with the same impression. I can not hear the tape because it belongs to ( XXXX ) so I was told. This whole complaint is about my mortgage company debiting from my husband 's checking account with out his permission, They got the money, had to put it back and charging us {$25.00} ( NSF ) .The first lady did not tell me the payment is going to be processed on this day or that day, how much they are going to debit, from what account or what have you. She did not read or give me a disclosure statement. If she did, then I would not have made a payment on line. Besides that, why would I want to make two payments in one month when my husband and I are both on fix incomes and had other bills to pay. I told the first lady this when I told her to put the {$500.00} back.If I wanted to make two payments, I would have made one big payment at one time. We should not have to pay {$25.00} ( NSF ) when the money was there. I have called this company to get this situation straighten out and I think this is not fair for us to be charged {$25.00} ( NSF ). We did not do anything wrong. I filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX also.
05/07/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MA 021XX	Web
I had a predatory loan back in XX/XX/XXXX with XXXX XXXX XXXX. State of XXXX Attorney General had a settlement with XXXX XXXX because of predatory lending. Our loan fell under this settlement. XXXX XXXX is the investor on the loan now and has been for about 5 years and SN Servicing in XXXX XXXX is the servicer for the loan. We have been trying for 4 years to get a loan modification with XXXX XXXX, we new we were entitled to a review and part of this settlement. Everytime we applied for loss mitigation the Investor denied us a modification. We then started to work the the XXXX AGO, they would reach out to SN Servicing back in XX/XX/XXXX, SN Servicing sent us a loss mitigation package, and again XXXX the investor denied our modification. We then hired an attorney to help negotiate a modification. XXXX XXXX Attorney XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, would take months to reply to his demand letters and denied XXXX needed to review us for a loan modification and was not willing to work with us. So we then decided to put our attorney aside, and go back to the XXXX Attorney General Office because they are the only ones that can enforce the settlement. We originally had a XX/XX/XXXX foreclosure date. The AGO asked that XXXX and SN Sericing postpone until XX/XX/XXXX while they continued discussion and to try to work something out. Finally in XX/XX/XXXX SN Servicing sent us out a loss mitigation package. My husband and I filled out all the paper work. A week later we received a call from SN Servicing XXXX XXXX and he emailed me an offer. The modification offer was, {$350000.00} principal, {$340000.00} balloon payment, 3 % interest rate for 40 years. Monthly mortgage payment {$2000.00} including taxes and insurance. This is perfect for my husband and I. Except they wanted a good faith payment of {$30000.00} with in 2 weeks certified funds. They saw our financial and know we do not have that kind of money. I am so close to keeping my home, I have emailed XXXX XXXX with a solution for him to please ask XXXX to reconsider another option for the good faith payment, I offered to pay an extra {$500.00} per month for the first five years of the loan 60 months to get them their good faith payment. XXXX Attorney XXXX XXXX would not answer my email and had the auction scheduled for today at XXXX. He did answer the AGO at XXXX XXXX on Friday XX/XX/XXXX, saying they will not reconsider another solution to the good faith payment. The auctioneer and bidders came to my house today but for some reason, the auctioneer said the foreclosure was postponed until XX/XX/XXXX at XXXXXXXX XXXX. I have lived in this home for 21 years. I grew up in my community that I live in. I have been under so much stress trying to figure out where I will go and live. Rents in this area are more, alot more then mortgages. I do not understand why I have come so close to a solution and they refuse to work with me. They refuse to answer emails, I feel as though XXXX XXXX has allowed these arrears that I owe to snow ball instead of working with me years ago. This has been going on for over 4 years, they give me a great offer and then intentionally make it difficult by adding a huge down payment. I just want to start making my monthly mortgage payments. Like I said I have lived here for 21 years, why should I have to be displaced and not even given an opportunity to prove I can pay my monthly mortgage and I even offer to pay more monthly to prove I can so they can get their {$30000.00} which goes to attorney fees and adances on taxes. I have spent money on representation, working the AGO, I have done everything I can and I am so close. XXXX should not be allowed to take all the equity and more out of my home and make money and not offer me a chance to keep my home. When I asked them to reconsider they now say all offers are null and void and foreclousre will take place on XX/XX/XXXX. Basically, they will sell my home and then come after me for more money, wen they did not pay that much when they purchased the loan. Also, XXXX XXXX XXXX assigned my XXXX XXXX XXXX in XX/XX/XXXX to XXXX XXXX XXXX. Signed by known robo signer XXXX XXXX. XXXX XXXXXXXX CEO President has an affidavit that says XXXX XXXX did not hold any residential mortgages in XX/XX/XXXX. How can this investor be allowed to this this go this far and not give us a chance. I have all paper work since XX/XX/XXXX on my mortgage with XXXX XXXX and every services that XXXX used, including XXXX, also XXXX denied us loss mititation modifications since XX/XX/XXXX, but they were not assigned our mortgage in our registry of deeds until XX/XX/XXXX.
08/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92647	Web
SN Serving acquired our loan after it was transferred several times from our original mortgage company which resulted in about 4-5 months of trying to figure out who was our loan provider. Once SN Servicing finally acquired our loan, we reached out to them to start making payments. Due to the loan being sold and re-bought several times in the span of a few months, it was quite delinquent. We entered into a repayment plan with SN right away with a good faith payment upfront in the amount of {$18000.00} and then a 14-month modified payment for the delinquent balance. We were paying more money than our previous loan with XXXX XXXX, and we were being billed late fees which XXXX XXXX was not enforcing on our account. I questioned why they were changing the terms of the loan when I was told from XXXX XXXX, everything would stay the same. But they insisted they were within their rights to charge additional fees. After making full payments around {$900.00} more than our previous mortgage, and on time, and making it more than halfway through the 14-month plan, we had a COVID-19 hardship. My XXXX was shut down and all work stopped. I lost several jobs due to fear and uncertainty and couldnt make the larger monthly payments anymore. We proactively reached out to SN for mortgage assistance due to the COVID-19 emergency. They did not respond to the Covid 19 hardship request until 4 months later. Even though we continually followed up with them by email and phone. Upon completing the proper paperwork and showing proof of hardship, SN denied our request due to failure to meet deferment-forbearance guidelines. Meaning we were already delinquent when they bought our loan. Except for we made a large down payment and larger payments every month since they bought the loan. At that point we were told to apply for Loss Mitigation which they again denied us based on ineligible income. As the economy started to open back up our income increased. Business started picking back up and my spouse obtained a job as a second income. We increased our income and decreased our expenses. We tried to contact SN to inform them of the new information but couldnt get a response until we filed a complaint with CFPB. We reached out to a HUD counselor who has been involved since, trying to help get responses and a resolution from SN. After months of time passed, we were told to apply for Loss Mitigation again. In our hardship explanation we informed SN we were able to resume making our original mortgage payment amount. We offered a {$10000.00} lump sum towards the past due balance or towards escrow shortage, but needed assistance with the loan to recover completely. SN then informed us they cancelled their review of our account for assistance as they showed no response from us. We then had to contact SN and show proof that we had clearly submitted everything required within their allowed time frame. They admitted they made a mistake and reopened our request. This with all the lack of timely responses from SN further delayed a resolution and is increasing our past due amount. These delays have added months of back dues and is now being used against us as a negotiating tool for being too high of an amount, or too far out to modify now. SN denied our 2nd request for loss mitigation due to ineligible income again. As their denial letter was very vague, the HUD counselor and I asked for clarification on how they came up with this determination numerous times. According to the HUD counselor, our numbers should have been good enough to qualify for a modification the last time. We again couldnt get a response from SN until we filed another complaint with CFPB. Its been over a year since we started the process with SN for a resolution. The last communication from SN was that at this point reinstatement or a repayment plan are the retention options. There was no response to our offer of the {$10000.00} lump sum towards the outstanding balance. SN is not being realistic in providing a loss mitigation option, just a repayment plan. Which would be a monthly payment almost triple of what our current payment is or a payment of the entire past due balance. If anyone was able to pay this amount, they would not be in the position to need assistance to begin with.
10/03/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	ND 58104	Web
We are in a foreclosure situation that is completely avoidable because of SN Servicing. Due to Covid 19 my hours and income were slashed and my wife 's job had to close and she went on unemployment. We had never missed a mortgage payment in over 20 years but the pandemic and my wife 's bout with XXXX XXXX the previous year put us in trouble. Our mortgage loan had been sold from XXXX to SN Servicing and when we started struggling financially we contacted them to ask if they had any programs to help us because of Covid. They told us no, they had no programs and we just had to try to keep up. When we would miss a payment and would call or email to ask for help they would solicit a double or triple payment to get caught up. After months of this we were too far behind for them to accept payments and at that point XXXX XXXX at SN Servicing told us we could apply for a loan modification in spring 2021. We were slowly getting back on our feet and hoped for the best. We received a letter from SN on XX/XX/2021 informing us that we had been approved for a trial modification plan, with the caveat that we needed to make a good faith payment of {$7400.00} no later than XX/XX/XXXX and the first mortgage payment of {$2600.00} was due the next day. The offer letter received told us that we needed to pay over {$10000.00} to SN Servicing within 20 days or the approval would be cancelled. Although we were pleased to receive an offer, it was not possible to come up with that type of money on that short of notice in the middle of a pandemic. We contacted XXXX XXXX and asked if we could break the down payment into 2 or XXXX payments and she said absolutely not. We tried to talk to a supervisor or reason with any employees at SN Servicing to discuss fair and reasonable options and ran into a brick wall. They told us it was all or nothing. It did not matter that the window for the good faith payment was short, it did not matter that the term offered was for 20 years ( our loan is a 30 year loan ) it did not matter that we were still negatively impacted by Covid, it did not matter that the government had provided funds for SN Servicing to access to help us by offering a forbearance, all that mattered was the greed of SN Servicing and XXXX XXXX XXXX XXXX XXXX. This did not seem like a modification, it seemed like a shakedown. We wired a {$3000.00} payment to SN in hopes they would see we were serious and work with us, but they just took the money and stopped communicating with us ( we don't believe they ever applied the funds to our loan ). We researched the licensing for SN Servicing in our home state of North Dakota and were shocked to discover that they are licensed as a " collection agency '' not a mortgage servicer. This may explain why they failed to ever send us mortgage statements after they took over our loan. It is also suspicious because we were not delinquent on the loan when SN Servicing took over. We are receiving letters from the SN Servicing Attorney telling us we are in foreclosure and they are going to sell our house. We had the money to pay them back then if they would have been reasonable and we have the money to pay them now, we just can't pay all of the late payments, legal fees, junk fees and interest in one lump payment to them. SN Servicing refuses to talk to us and has blocked our phone calls and emails and denied us access to our online account. All we get are threatening letters from the foreclosure attorney who says the only way to fix this is pay all the past due amount. We think SN Servicing is purposely denying us access to homeowner assistance programs that we should be reviewed for, quite possibly since they are a collection agency who is looking to cash in on our house. In the last year our financial situation has significantly improved and we want to be reviewed for all homeowner assistance options and want you to investigate SN Servicing and XXXX XXXX XXXX XXXX XXXX.
07/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	FL 344XX	Web
Re : XXXX Attorney XXXX XXXX and her Law Firm principles XXXX XXXX, XXXX XXXX XXXX XXXX Also included is XXXX XXXX attorney XXXX XXXX I am asking the CFPB with the help from the XXXX to open an investigation into possible XXXX Violations. It is not a secrete that US Bank has paid Millions in fines for using forged and falsified documents. Now it is time to hold these attorneys and XXXX with major fines as was done with US Bank. Some of these players need to be put in prison. Forgery and uttering forgery is a felony and we demand justice. Just because US Bank says that they have turned everything over to the Servicing co and the Attorneys it does n't matter, all are responsible now. I am demanding that Law enforcement seek a grand jury into possible nation wide conspiracy to illegally take homes from elderly people XXXX by the attorney who may be uttering forgery and using Forged documents in State and Federal courts here XXXX. I believe that XXXX XXXX and her principles are part of a state wide fraudulent foreclosure mill similar to the XXXX XXXX operator who was a disgrace. Although they are not connected the plan is unique. A battery of law firms and their attorneys and XXXX are hired by US Bank to avoid and confuse the courts then instructs all players to aggressively and relentlessly attack and beat down the elderly homeowner and financially destroy them until they are forced to give up. These multiple law firms, XXXX XXXX and the Bank think that they are free from their actions. In my case we have been forced into multiple bankruptcy 's to protect our home. The illegal taking of our home with forged documents would be a absolute tragedy for our family because we are elderly with kids at home and we care for my mother who has sever XXXX and XXXX and she needs XXXX / XXXX care. Additionally we have a part time vacation rental business that has been supporting our family for decades. It is our only income and our only retirement and the loss of all this via forged document will put all of us on the street. I believe to date there have been no less than XXXX law firms who have withdrawn from this case because we believe that they realized that something may be seriously wrong and did n't want to be part of a possible crime. A rescission Notice is in place and the bank has failed to answer in a timely manner, The alleged loan and mortgage has never been consummated, The original broker has stated that the loan documents were stolen out of the curriers car. These are forged mortgage documents and any alleged loan and or mortgage is VOID. Under the eyes of a new notary, The Notary seal and signature has been carefully viewed by the original Notary and the witness and they have sworn under oath that the document being used in court are fake. As a matter of law a Fake Notary Seal and a fake or forged Notary signatures make the entire alleged transaction VOID. However none of this matters to the law firms because as a law firm drops off another is hired to continue the abuse of process in the courts. As officers of the court XXXX XXXX and her principles are required by law to inform their client and the federal judge of the truth that Forgery is at hand and irrefutable evidence has been submitted. I am asking the XXXX bar to seek an emergency suspension and eventual disbarment of XXXX and her law firm principles. I believe that they may be involved in a nation wide conspiracy with the bank and the XXXX. The charges may include mail, wire fraud, perjury, uttering forgery, forgery, falsification of mortgage and other legal document and submitting them to our State and Federal courts. Their actions are clearly an abuse of process and it must stop.
02/06/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92508	Web
SN Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Letter date : XX/XX/XXXX New Account # SN Servicing Acct. # XXXX Old Acct # XXXX ( XXXX XXXX ) To Whom It May Concern : The letter dated XX/XX/XXXX is your second Notice of Attempt to Collect Debt. The 1st notice of demand was on XX/XX/XXXX with a demand payment date of 14 days from the date of the letter. Said letter enumerated serval falsehood, including omitted the fact that this account was discharged on XX/XX/XXXX and it was not reaffirmed. Furthermore, SN has confirmed this fact in your later dated XXXX, none the less your demand letters continue stating IF I was discharged. My letter of XX/XX/XXXX addressed the falsehood claimed by SN in your letter of XX/XX/XXXX and included the following offer to SN. This letter will serve as my formal offer to SN Servicing of a single lien release payment of {XXXX} with no further liability. To be handled by an escrow company of your choosing, as long as the selected company is not affiliated with SN Serving in any way. Upon verification of funds, but prior to release of said funds to SN Servicing, the escrow company will be required to confirm the execution of the lien release on said property as well as the recordings of the said document. SNs letter of XX/XX/XXXX rejected my offer to settle this account and stated I should call to work-out a payment plan. Based on data from the previous server, XXXX XXXX the last time a payment was made on this account was in XX/XX/XXXX, twelve years ago and SNs best is to set up a payment plan. As of this date SN has failed to provide me with all the requested information from my 1st QWR of XX/XX/XXXX and has completely ignored my 8-page QWR of XX/XX/XXXX. In your letter SN is stating that I request copies of the loan documents and it provides a list of documents. SN should start by providing me all the information requested in my 2, QWRs as required by law. Furthermore, your letter is threatening to report derogatory information to the credit reporting agencies. SN is undoubtedly aware of FDCPA ; Understand that so am I. Your threats are now in the realm of harassment. Do not insult me by stating that your letter use generic verbiage as there is nothing generic about your demand. My family is dealing with the severe impact of the Covid 19 pandemic in our personal lifes, as are millions of American ; we also have the misfortune of having to deal with the harassing threats from SN Servicing. Should NS continue this form of harassment, I will seek all legal remedies, including but not limited to Federal Bankruptcy court. In closing : Forth offer This letter will serve as my formal offer to SN Servicing of a single lien release payment of {$20000.00} with no further liability. To be handled by an escrow company of your choosing, as long as the selected company is not affiliated with SN Serving in any way. Upon verification of funds, but prior to release of said funds to SN Servicing, the escrow company will be required to confirm the execution of the lien release on said property as well as the recordings of the said document. If SN is not interested in negotiating the release of the lien, then by all means, take the house. Once you work your way through the State & Federal moratoriums on Covid 19 evictions & foreclosures, spend {$70000.00} to {$90000.00} on professional fees, buy the 1st mortgage and assume responsibility of the property taxes through the established escrow account and when the process runs its course. The house is your and I walkway free and clear. XXXX XXXX XXXX XXXX.
09/26/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IN 469XX	Web
Our family has lived in this home for 30 years. We are now facing a foreclosure because SN Servicing refused to offer any assistance when our family income was severely impacted due to Covid 19. This loss of income made it impossible to pay our mortgage at that time. Since then we have gotten back on our feet but SN Servicing has now shut the door on our family, just like they did when we contacted them after we were impacted by Covid. I have learned that the government authorized the CARES program to help cover lender costs who offered forbearance programs to distressed homeowners. We wonder why their agents refused to provide this option for our family? We called many times and asked for assistance, we asked if there was anything that could be done to help a family affected by Covid and no one at SN Servicing was willing to offer any type of help. We are now being sent court summons threatening foreclosure by the lender. This is an avoidable foreclosure, we are back on our feet and make a fair living, we feel that SN Servicing has denied us access to government programs that should be made available and has created artificial barriers to deny assistance. We have gone through horrific tragedy the past few years -- -my oldest son being killed in a motorcycle accident, and then seven months later our daughter was diagnosed with XXXX and she passed away in XXXX. These incidents devastated our family and due to XXXX and side effects from my XXXX treatment I was unable to work and had to apply for XXXX. We applied for and were eventually approved for a loan modification with SN Servicing. We set up the payments on automatic debit and paid as agreed until XXXX affected our family. My husband XXXX has worked as a materials handler for 24 years. First he had his hours cut, then a few months into the pandemic he was put on leave and ended up on unemployment. We kept making the mortgage payments until all of our funds were exhausted. We were victims of fraud on our bank account so we had to close it. I called SN Servicing to explain that the bank account was closed and that my husband was on unemployment due to XXXX and asked if SN Servicing could help. They told me they were sorry, there was nothing they could do to help. I explained the situation but their agents did not care even though my husband had been put on leave due to XXXX, even though the government had the CARES program which was specifically designed for this situation to help our family. Once my husband was back to work we tried to resume making our mortgage payment but SN Servicing would not accept the payment. We were told we would have to pay all missed payments and fees or if we wanted, we could TRY to apply for a new loan modification. We provided the information and were offered what appeared to be a modification, but this required a down payment of {$3800.00} in the next month to even be CONSIDERED or RECEIVE the modification. Although we appreciated the help, I had already scheduled and paid the {$5000.00} deductible to our insurance company for medically necessary XXXX XXXX XXXX and XXXX XXXXXXXX that same month. We tried to extend the time to pay the good faith payment a month or two but XXXX XXXX told us if we did not pay by the deadline it was over, they were going to foreclose. We can afford our mortgage but due to the way this company has handled the servicing, we are facing an avoidable foreclosure. We have equity in the property and are concerned that SN Servicing and the investor are engaging in unethical and questionable actions in order to enrich themselves at our expense.
03/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 064XX	Web
I believe my first call to SN Servicing Corporation was in the middle of XX/XX/2021. Below is a list of dates and what happened next. XX/XX/XXXX : Receive email from XXXX XXXX asking why I am applying for the assumption. I responded that same day telling her that my attorney was working on getting the assumption with XXXX XXXX before they bought my mortgage and that per my divorce agreement I had to have his name off the mortgage. XX/XX/XXXX : Receive email from XXXX asking if I was awarded the property and if yes, to send proof. I asked her if the Quitclaim Deed would work for that. She emails me in response that if I was awarded the property I will need an attorney to draft the assumption in state and then submit to them for their Modifications Department to review and sign off on and then they will send it back to the attorney. I answered that I was confused and asked if the Quitclaim Deed would work for the Assumption. XX/XX/XXXX : XXXX tells me to send it to her and she'll submit it XX/XX/XXXX : I forward the Quitclaim Deed to XXXX XX/XX/XXXX : Emailed XXXX asking if she had received the deed. I never got a response. XX/XX/XXXX : Emailed XXXX asking again if she received the deed. No response. XX/XX/XXXX : I emailed my housing attorney explaining that I was not getting any response from the new mortgage company, SN Servicing Corporation, in regards to the assumption. XX/XX/XXXX : I emailed my housing attorney again asking for help with reaching SN. XX/XX/XXXX : I emailed my housing attorney again about the assumption and how to get an answer. He answered to continue calling them and emailing them but to also send a Notice of Error and claim that I need my request for the assumption to be handled promptly, that I had already sent the Quitclaim Deed over, per their request. I left another message for XXXX. XX/XX/XXXX : I sent an email to XXXX stating that I still haven't heard back from her, I have called her three times and sent quite a few emails with no answers. I asked, again, if she could let me know that she received the deed and when I can expect the assumption to happen. She did email me back asking for the loan number and names on the loan, which I had already given to her. XX/XX/XXXX : I send the Notice of Error certified mail. XXXX called me during the day to tell me that she had received it, that they were hit by the same storm as Texas and she had not been to work in awhile. I told her that I had never heard of her response to me that an attorney would have to draft it in state. She told me that she would get back to me that night with more information. She did leave me a message and asked that I call her on Monday night, XX/XX/XXXX. XX/XX/XXXX : SN receives my certified letter. I call XXXX at night as she asked. I got her voicemail and left a message. XX/XX/XXXX : I emailed XXXX stating that I had called her on Monday and left a message. I asked when should I try to reach her again. XXXX called me and informed me that they are only a servicing company and that they don't do assumptions. She told me that I would have to refinance through another mortgage company or do it through the court. I then emailed this information to my housing attorney. He responded that he will have to get back to me about it. XX/XX/XXXX : My housing attorney emails me what I need to do. He told me to mail a " Request for Information '' to XXXX where I ask for their loan assumption policy. I wrote it up and will be mailing it out certified mail in the next few days. He told me to file a complaint with you too.
12/10/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DC 20019	Web	Older American
I am facing the possibility of homelessness of me and my family. I was an employee at XXXX XXXX XXXX XXXX for 35 years and they did a Reduction in Force and my job ended without any notification. I was never given any notice of a possible Reduction in Force which would have given me an opportunity to save some additional money. I had a good payment history with my mortgage company before this life altering event occurred. After I lost my job I began to fall behind on my mortgage payments. I did visit agencies to get assistance but I was turned down because funding was depleted and no longer available where I reside in XXXX DC after going to several HUD approved housing counselors. After I was released from my employer, I spent countless hours applying for jobs and going on interviews. In XX/XX/2017, I lost my mother suddenly of a XXXX and she did not have any life insurance. I was responsible for providing a burial for her and depleted the rest of my savings. Immediately, after I lost my job I contacted my mortgage company to see if I would be able to get a loan modification to keep me from losing my home. I worked hard to purchase this home and I have lived there for 14 years. I am trying to upload the mitigation application I filled out but I am unsuccessful. I would like to forward that as well. Since 2017, I have been contacting Servicing Corporation to ask if I would be able to get a forbearance or loan modification based on my situation of underemployment. I have several correspondences since this year to current asking for the servicing company to reach out to the investor for assistance to prevent foreclosure and I also informed them I am elderly. This company and the investor has refused to work with me in any way. For the past 4 years according to my tax payments, each year {$7000.00} is being paid to the investor and only XXXX is being applied to the principal loan of my mortgage at a rate of XXXX percent. I have tried to get my house refinanced but have been unsuccessful as well. With such little amount going to the principal of my loan it does not reduce much the amount of the loan owed on my property. The officer that has my loan continues to request money that I am not able to pay and seems as if they are doing all they can in their power to ensure my property goes into foreclosure. The investor is refusing to assist in any way. In addition, since this company has taken over my loan it is not being reported on my credit which is hindering me from being able to possibly get a refinance because there is no record of payment. I have asked this company for years to report my mortgage and its payments on my credit so that I am in a better position to request a refinance for lower payments. This company is aware that my property is worth three times the amount of the loan left and seems to be predatory in the manner which they are handling my loan. I was forced to file a Chapter XXXX to save my property because this lender refused to work with me which cause my credit to decrease, I have made improvements on my credit but I am still in a situation in which this lender is unwilling to assist me with any modification. They have continued to decline a loan modification without a clear precise reason as to why. I had also reached out to housing counseling services in Washington DC and this servicing company still refused to assist. I am also attaching the application I was requested to complete from the servicing company and was still denied assistance.
09/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30019	Web
My complaint is in regards to SN Servicing and their handling of my home loan. I purchased my home in XXXX. I began with 2 loans, a 1st and a 2nd. I had no idea how horrible this would be. The 2nd mortgage has an interest rate of 14.5 % with a balloon payment. The original loan amount for the 2nd mortgage was approximately {$26000.00}. Unfortunately, I fell on hard times ( diagnosed with XXXX XXXX XXXX which caused a reduction in work ) and had to file bankruptcy. Bad financial advice put me further in a hole. My 2nd mortgage was transferred to different companies and none of them offered any relief, including SN Servicing. I have been able to work with my 1st mortgage. No payments had been made to 2nd mortgage since XXXX other than through the bankruptcy. I began seeking assistance with SN Servicing after the claim was transferred to them but was given the run around. I submitted requests for modification but was denied each time. Initially when I submitted my paperwork it was to a XXXX and I never received any feedback. I was later advised that she no longer worked for the company and nothing had been done with my paperwork. At first they claimed I never submitted any paperwork. I submitted again. At one point I was told that if I could come up with {$5000.00} they could reinstate and of course I dont have that kind of money. They then bumped it up to {$10000.00}. If I dont have {$5000.00} what made them think I had {$10000.00}? At this point I was speaking to a XXXX XXXX & I have the emails reflecting these ridiculous requests. While trying to negotiate with SN Servicing they were in the process of foreclosing & only found out when I received a letter from an attorney. In XXXX I was told that the full amount of approximately {$34000.00} was now due because the loan matured in XXXX of XXXX. I understand fully that the delinquency is my error but Im simply asking for assistance to get back on track. However, they are only interested in taking my home. I have foolishly used a company that claimed they could help but was scammed & I will have to address that later. Right now I must save my home. Within the past 6 months my hot water heater broke, the main water line in yard broke, and the HVAC died. These issues have been addressed to the best of my ability because I do care about my home. I have receipts to prove my recent expenses. Nevertheless, I still press on and try to remain in my home. I have had to file bankruptcy as of XX/XX/XXXX and pay an astronomical amount because the entire loan is due as a result of the maturity. I was strung along by them with hopes of modification until after the maturity of the loan. I feel this was done purposely and in malice. Now SN Servicing has submitted a claim for not {$34000.00} but {$61000.00} therefore trying to increase my bankruptcy amount to an unpayable amount. They have tacked on more interest than was due on the original loan, almost doubling what is owed. In addition, since filing Chapter XXXX they are still assessing fees. I am not asking for a hand out. I acknowledge my fault in this matter. I only ask that I be given the chance to pay a reasonable monthly amount. The original payment was $ XXXXmonth. Instead I have been given the run around and deceived. All of my other bills were being paid on time prior to me having to file bankruptcy in order to keep my home. I work 2 jobs to support myself and my daughter. Does anyone regulate the actions of these companies and how they treat people?
10/19/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33147	Web
I applied for and was approved for a Loan Modification on XX/XX/XXXX with a first payment start date of XX/XX/XXXX. All payments were made on the TPP Loan Modification and the Final Loan Modification was received on XX/XX/XXXX. The Final LM Documents were signed, notarized, and the original copies sent back to the lender. On XX/XX/XXXX my loan was transferred from XXXX to XXXX XXXX. On XX/XX/XXXX XXXX XXXX stated that they were not honoring the Final Loan Modification that was received from XXXX and paid from XX/XX/XXXX to XX/XX/XXXX. Our client continued to make the mortgage payments to XXXX XXXX until XX/XX/XXXX. XXXX XXXX deposited the payments, but did not apply them to the loan. Instead, they applied them to a suspense account. We believe this to be a violation of the lender/servicer requirement to protect struggling borrowers during service transfers. Below is a timeline of the details of the file. 1. File was approved for a TPP LM on XX/XX/XXXX ( attached ). The first payment was due XX/XX/XXXX for $ XXXX/month. 2. File was approved for a Final LM on XX/XX/XXXX ( attached ). The first payment was due XX/XX/XXXX for $ XXXXmonth. 3. Final LM Documents were sent via registered mail XX/XX/XXXX ( see attached receipt ). 4. XX/XX/XXXX There was a notification sent to my client indicating receipt of the final loan documents. 5. We then received a correspondence from the lender dated XX/XX/XXXX titled Family Transfer Package. It stated, Please note, completion of this Family Transfer Package may be required prior to finalizing any mortgage modification. a. This package was completed and faxed and emailed back to the lender on XX/XX/XXXX ( attached ). We mailed the original documents by mail as well. 6. On XX/XX/XXXX opposing counsel asks for copies of transfer documents and death certificate. They are provided the same day via email. 7. On XX/XX/XXXX opposing counsel responds and asks for the complete loan modification package once again. They are provided the same day via email. 8. On XX/XX/XXXX the death certificate is sent to XXXX and lender via email, fax and regular mail. 9. On XX/XX/XXXX we received a correspondence from the lender ( attached ) requesting the probate documents to complete the Family Transfer Package and make our client the Successor in Interest. a. The updated probate documents were emailed to the lender on XX/XX/XXXX and XX/XX/XXXX. All requested documents on the XX/XX/XXXX correspondence were emailed to the lender. 10. On XX/XX/XXXX we received a correspondence from the lender ( attached ) confirming Ms. XXXX as the Successor-In-Interest ( attached ). a. The executed documents were emailed and mailed to the lender on XX/XX/XXXX ( attached ). 11. XX/XX/XXXX the loan was transferred from XXXX to XXXX XXXX. XXXX XXXX refused to accept the LM even though it was Finalized in XXXX and payments were up to date. They refused to accept Ms. XXXX XXXX payment. a. I contacted the lender and submitted the XXXX Final LM to XXXX via email on XX/XX/XXXX. Basically my client made timely payments from XX/XX/XXXX-XX/XX/XXXX when the loan mod was transferred to XXXX and they then refused to accept payments. She then continued making payments until XX/XX/XXXX where payments made were placed into a suspense account and suddenly refunded to Ms. XXXX. My client has not cashed these checks so the lender is still holding these funds.
01/18/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75062	Web	Older American
Subject to an agreement reached at mediation in XX/XX/XXXX, I have been submitting payments to SN Servicing Corp. for payments against my home mortgage on a timely basis. A total of sixteen ( XXXX XXXX payments have been remitted by me and accepted ( and presumably applied to my loan ) by SN Servicing Corp. pursuant to the mediated agreement. I transmitted my payment for the XX/XX/XXXX mortgage payment via XXXX on XX/XX/XXXX to SN Servicing. It was received by them on XX/XX/XXXX. On XX/XX/XXXX, I received an envelope from SN Servicing postmarked XXXX XXXX, XXXX, which contained the check I sent to them on XX/XX/XXXX reflecting a stamp of " XXXX XXXX, XXXX, '' but without an endorsement. NOTHING other than my check was included in the envelope. I emailed SN Servicing on XX/XX/XXXX, for an explanation as to why my check was returned to my home address without any letter or other communication. On XX/XX/XXXX, I received an email from XXXX of XXXX Servicing acknowledging receipt of my check on XX/XX/XXXX, including this statement : " It seems that we did receive the check on XXXX XX/XX/XXXX, and it was held as the cashiers were processing end-of-month payments. '' NOTE : I believe my payment is to be credited by the mortgage servicer immediately upon receipt. The remainder of MsXXXX first XX/XX/XXXX email states as follows : " Our supervisor, XXXX, instructed the person that sent the check back to you to do so. However, she did not include the letter that was supposed to have been included with the check explaining precisely why it was returned. That was an oversight, and I do apologize for it. I am going to work on getting a copy of the letter that should have been included with the check, and I will email this copy as soon as I get it. '' At XXXX. on XX/XX/XXXX, I received another email from XXXX XXXX in which she stated that she was still working on getting that letter to me, and hoped to get it to me before the end of the week. However, her supervisor had informed her that he was working on my account through an attorney. ( XXXX in mind that they 've had attorneys working on the account since at least the first part of XX/XX/XXXX ). XXXX XXXX informed me that her supervisor, XXXX, would be in touch with me. I requested the full name and contact information for her supervisor. I emailed XXXX XXXX and the attorneys supposedly representing XXXX XXXX on XX/XX/XXXX, again requesting information regarding the check returned to me and status of the modification agreement. I have had no response. I emailed XXXX, XXXX and the attorneys representing SN Servicing again today. I have had no response from anyone. Yesterday, I received a purported monthly statement from SN Servicing which contained the statement, " Your account has been referred to an attorney to initiate a foreclosure proceeding. '' I have attorney 's bills which exceed {$35000.00} related to my efforts to resolve various mortgage issues with SN Servicing and their predecessors. I believe SN Servicing 's actions amount to dual-tracking ; accepting payments from me ( not to mention the real estate taxes and home insurance payments I 've paid ), while intentionally refusing to produce a modification agreement that comports with the agreement reached during mediation in XX/XX/XXXX. I have documentation which will support these statements, and will be happy to provide same.
07/11/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AR 72211	Web
I am an essential front line worker who was negatively impacted by XXXX XXXX. I contacted my mortgage lender for my loan, SN Servicing to see if there were any programs they could offer me to help me get through the hardship. They told me there were no programs, and did not discuss or offer the CARES forbearance plan. Instead they told me I had to re-file bankruptcy to stop the foreclosure process and now I am facing a sale date of XX/XX/XXXX. SN Servicing has repeatedly denied me access to government programs and options that they are required to offer to distressed homeowners and has obstructed the process and failed to consider me for retention programs such as loan modification, forbearance, partial claim, restructure of loan or repayment plan. I have been trying to get SN Servicing to review my current and correct financial information, but they have told me it is too late and that the only option was to re-file bankruptcy. I had no choice and re-filed, but SN Servicing added in an additional $ XXXX in late fees and legal fees at the last minute, and the trustee could not make the payments work and the bankruptcy was dismissed a couple of months ago. I had previously been in a XXXX XXXX for 4.5 years and made all payments to trustee and the lender XXXX XXXX as agreed. Unfortunately while in bankruptcy I lost my job and could not keep up with the trustee payments. I requested an extension or some kind of understanding since the plan was almost paid off but instead was dismissed out of the plan. At that time I went to SN Servicing ( who was now handling the loan ) to ask to be considered for homeowner assistance programs for distressed homeowners. They lied and told me there were no programs or options and that I should just re-file bankruptcy. This is outrageous. I have worked hard to make sure the mortgage was paid and then due to job loss and bankruptcy dismissal the whole thing fell apart. I should have been given options by SN Servicing but they denied access to these government programs. When Covid 19 hit I was impacted and for a time my medical office was shut down. I reached out to SN Servicing to see if there were any programs to help me and they lied again and said there was nothing they could do, even though I clearly qualified for the government CARES forbearance plan. I have worked in XXXX XXXX for nearly 10 years since my divorce. A few years after buying my home in XXXX my ex stopped paying child support which caused me to struggle financially, and I was slowly sinking. I decided the best solution was to file a XXXX XXXX bankruptcy so that I could restructure and manage my debts. As explained, I entered into a 5 year plan with the trustee and made all my payments on time for 4.5 years. XXXX XXXX and then SN Servicing received EVERY payment on time for 4.5 years while I was in that plan. Then I lost my job and had trouble making the bankruptcy payments and no one would work with me, even though I had almost completed the plan. I am now facing a foreclosure sale date of XX/XX/XXXX. SN Servicing was REQUIRED to offer me the CARES forbearance plan and failed to do so. SN Servicing was REQUIRED to conduct a full review of my financial circumstances to determine eligibility for loan modification, loan restructure, partial claim or repayment plan and never did so.
12/15/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 401XX	Web	Servicemember
My mortgage holder XXXX XXXX XXXX and XXXX XXXX allowed me to go in to a COVID-19 Forbearance XXXX of XXXX for up to 18 months + 6 months. They honored XXXX and XX/XX/XXXX. XXXX XXXX XXXX then sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX and SN Financial Corporation Mortgage Servicer XXXX XXXX XXXX. I was never notified of the new mortgage holder changes until XX/XX/XXXX when SN Financial Corporation contacted me by email and letter telling me that my mortgage was in foreclosure. I contacted XXXX XXXX my new account specialist at SN Financial Corporation and told her that I was in a COVID 19 Forbearance agreement with XXXX XXXX and XXXX XXXX XXXX why am I in Foreclosure and who is SN Financial Corporation? She said they bought my mortgage from XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX and she has no knowledge of the mortgage being in a COVID 19 Forbearance with the previous mortgage holder or servicer. I was given 10 days to make at least 2 full payments to keep my home from being foreclosed on and I scraped the payments up and paid SN Financial Corporation. The Foreclosure was enforced again in XX/XX/XXXX and I mailed SN Financial Corporation 2 full payments certified mail and the payments were returned to me. XX/XX/XXXX XXXX XXXX from SN Financial Corporation called me and asked if I could pay double payments and a lump sum to catch up. I told her that I just received my second Ky Unemployment benefits payment that was in the amount of {$10000.00} and that I could give them {$8000.00} and pay a full payment and a half. After I told her what I could do, I was never contacted again until XX/XX/XXXX with a court date for summary judgement foreclosure. I had contacted TeamKy HAF and completed my application but SN Financial Corporation never responded to the TeamKy HAF Counselor. XX/XX/XXXX Judge XXXX XXXX in XXXX XXXX Kentucky Circuit Court ruled in favor for Summary Judgement. i was immediately facing an imminent homelessness so I filed for XXXX XXXX the day of the sale ordered by the judge in XX/XX/XXXX with the help of a lawyer. I couldn't get all the things done for the Bankruptcy with everything else happening so the Bankruptcy was dismissed and now the sale is in effect again for XX/XX/XXXX. Ordered by XXXX XXXX Kentucky Circuit Court XXXX XXXX XXXX. I was completely devastated financially when XXXX XXXXXXXX XXXX Implemented the manditory COVID-19 Business Shut Down that ended my XXXX XXXX XXXX XXXX XXXX XXXX Worst was that I was approved for Ky Unemployment but I never was funded/paid my desperately needed benefits for over a year. Then when I was paid it was only for 6 weeks from XXXX. Was suppose to be 46 weeks. It was several months later before I received anything else from Ky Unemployment. I had no way to pay for my mortgage especially with XXXX XXXX and my father that's a retired XXXX veteran, whom I still taking care of in my home currently. Please help me stop the sale of my home. It's XXXX and we can't even enjoy it for a third year in a row. I have been so stressed over this matter that I went in to the XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please help us!
01/25/2019	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 453XX	Web
QWR notice of Error : Att : SN SERVICING CORPORATION Loan : ( NEW ) SN Servicing Corporation XXXX ( OLD ) XXXX XXXX Property : XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX Owner : XXXX XXXX XXXX Trustee Last 4 ( S.S XXXX ) 1. All of the insurance letters " Notifications of forced placed insurance state " we have purchased a lender placed hazard insurance policy to protect our interest in the property. '' I have highlighted this in yellow on all 3 of the letters that I have in my file as you know under 1024.37 Force-placed insurance can not be more than the investors interest in the property. Have her review all of the policies and get back with us whether they are compliant with the code. 2. I had XXXX give me a statement on how there process works on creating an escrow account see letter for XXXX XXXX XXXX Escrow. The interesting thing here is that XXXX states that they will set up an escrow account if you do not have one already in place at which they did for the force placed insurance ONLY in XXXX for XXXX XXXX XXXX XXXX. Note this property at that time was still under a federal stay and XXXX never notified anyone of their illegal actions. I believe because the insurance was inflated and illegal. So when the property was reaffirmed in XXXX and after the bankruptcy was closed in XXXX. 3. XXXX not being able to collect the insurance premiums during the stay for the force-placed insurance added the property tax to an escrow account and on XX/XX/XXXX by paying off a tax contract on the property that I had negotiated with the XXXX county prosecuting attorney XXXX XXXX for the back taxes owed on XXXX XXXX XXXX XXXX. This was to be paid over a 3 year period and was confirmed in my Chapter XXXX payment plan by the court. 4. As I stated in the confirmed reaffirmation agreement for XXXX XXXX XXXX XXXX. I was only to be responsible to pay back {$25000.00} of the original loan amount. The agreement states as follows The balance of the claim in the amount of {$51000.00} is an unsecured claim which shall be paid pro rata with unsecured creditors. I have enclosed a copy of my unsecured and secured creditors and none of the investors that executed a reaffirmation agreement on any of my properties followed up on the unsecured class XXXX claim. Per the court they should have petitioned the court to be added to the class XXXX payout so they were discharged at confirmation. See page 7 on the plan second paragraph The amount of allowed unsecured claims not provided for payment as set forth above shall be discharged at confirmation. 5. On page 5 of the confirmed plan Class XXXX you will see the agreed order for the property tax contracts. If you go back to the ESCROW spread sheet that I included in the first scan you will see where XXXX paid off the tax contract in the amount of {$1500.00} and then added it the insurance escrow and demanded it to be paid in full. VIOLATION OF MY CONFIRMED PLAN. Conclusion is that XXXX has violated the confirmed Bankruptcy plan the CFPB 1024.37 Force-placed insurance code and the FDCPA by including my discharged debt in loan pay offs and the court case demanding me to pay it. This has caused me damages in attorney fees and time spent fighting these false violations costing me at this time more than I owe on the note. XXXX XXXX
02/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH XXXXX	Web
XX/XX/XXXX QWR Notice of Error 12 CFR 1024.35 and Request for Reinstatement amount and Payoff as of XX/XX/XXXX Property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Company : SN Servicing Corporation loan XXXX " Transfer effective date XX/XX/XXXX '' Owner : XXXX XXXX XXXX last 4 S.S XXXX XXXX XXXX XXXX XXXX XXXX I am requesting a payoff for loan XXXX and Reinstatement amount made payable till XX/XX/XXXX. Thank you in advance for all your help. I have copied several attorneys on this email and notified them of my intent to do so. The loan Service company SN Servicing Corporation has directed me to contact XXXX XXXX, Esq. at XXXX XXXX XXXX XXXX XXXX XXXX for a reinstatement amount and payoff for my loan with SN XXXX. I have done as directed by SN bankruptcy department and this is the response I received. XXXX XXXX, Esq. Senior Counsel XXXX XXXX XXXX XXXX XXXX XXXX Mr. XXXX, I have not entered an appearance in the Chapter XXXX case involving this loan, and have no authority to represent any legal entity involved in this case in the preparation or response to a Qualified Written Request or any other inquiry brought under any federal, state, or municipal statute. I have no authority to respond to any inquiry regarding this loan, and will not be responding to this e-mail as I have no authority to do so. Please have your attorney call me if you have any questions. Please have all further communications made through your attorney. XXXX XXXX I have enclosed the last payoff statement that I received on this loan from XXXX XXXX under XXXX as the loan service company. I do not believe it to be accurate by showing a {$72000.00} payoff in XXXX. So If you could please double check the figures and make sure that they are correct I would greatly appreciate it. I have also enclosed a copy of the Agreed Order showing the amount of {$25000.00} as the only secured debt allowed under the plan. The unsecured remaining balance was placed with the unsecured creditors but not placed on the plan by the creditor in the payout. See 12 CFR 1026.36 ( c ) ( 3 ) Questions Information : see CFR 1024.36 1. I noticed that the property is now listed on XXXX as for sale in a up coming auction in XXXX. Are you or SN service aware of this action? see attached Exhibit 2. If so why is the loan still being pursued by XXXX XXXX? CFR 1024.33 ( b ) ( 4 ) ( iv ) 3. If SN is aware of this action by XXXX XXXX why have I not been notified of this action being taken place by SN. I have only been told to contact you not XXXX XXXX. 12 CFR 1024.41 4. Is SN Corporation trying to collect the debt asked for in case in the XXXX County Common Plea Court foreclosure case # XXXX XXXX.? 5. XXXX is SN Servicing Corporation trying to collect the payoff amount asked for in the attached payoff quote from XXXX and XXXX XXXX in XX/XX/XXXX.? CFR 1024.33 ( b ) ( 4 ) ( iv ) 6. If not what would be the reason for the difference in balance now four years later and why? 12 CFR 1026.36 ( c ) ( 3 ) 6. Mr XXXX XXXX now that the transfer of service rights transferred on XX/XX/XXXX to SN Service Corporation per the courts records SN Service Corporation has not been substituted in the foreclosure action as the Plaintiff will they be doing so? 12 CFR 1024.33 ( b ) ( 4 ) ( iv ) Please Advise
04/21/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	GA 30253	Web	Older American
This urgent plea is to get justice for my home. I am a XXXX year old, XXXX year retiree from the XXXX who has been constantly threatened for my home since 2006, when XXXX went bankrupt and signed the deed to my home over to me. Since that time I have been switched from XXXX XXXX XXXX to XXXX to XXXX to XXXX to SN Servicing every year paying from {$2700.00} a month to {$1000.00}. I honestly believed that my house was deeded over to me in the XXXX XXXX bankruptcy and I made a refinance on a home that was paid off and in my name. ( That was XXXX XXXX and they immediately went out of business ). After several years of showing evidence to lawyers and judges and paying insurmountable court costs, I have grown weary. Especially when I have spent over $ XXXX in attorney fees to succumb to a loan modification which made me pay court costs to the loan servicers of over $ XXXX, with a balloon of $ XXXX tacked on the end of the loan ( which will come at a time when I will probably be unable to acquire a loan for that amount ). Not even a year after the loan modification was granted, the Servicer, XXXX XXXX ), gave me less than a month to pay over $ XXXX because of an increase in my property value which made my homeowners insurance go up. I paid XXXX the money even though I had no forewarning to enable me to save up the payment, ( which I sacrificed out of my medical bills - you see, I am XXXX ), and they still turned me over to the credit bureau as having not paying my mortgage - which I did pay! And, to top that off, I had to increase my current monthly payment by almost a XXXX when the XXXX did not give me an increase on the cost of living. In fact, my income was decreased by almost XXXX.! - see attached. These people have done everything you could imagine to chisel money out of me and to get me to move out of my house so that I would be desolate, in spite of the fact that they swap me from Servicer to Servicer only to tangle the web and complicate things that lead to the fact that they really did n't own my home in the first place. Not only that but to add insult to injury, I am have been relentlessly denied from getting a decent loan modification. I was denied twice with XXXX and now also with HAMP - Making home affordable, even after my income got cut by almost $ XXXX, ( XXXX XXXX dollars per week ). See attached. I 'm begging you for help before I become another statistic of a XXXX woman, who worked and served all her life for the XXXX and when it came time for the XXXX to come to her aide, she lost her house due to legalized corruption. Please contact me for any reason. If you do not help me, my whole life 's work will have been literally for nothing. The reason why I believe that they keep refusing me getting a Making Home Affordable loan is because they do n't have the paperwork to prove that they legitimately own the house in the first place. All they got is a judge from XXXX Georgia, XXXX XXXX, who is a well known XXXX XXXX owner to write a fake deed which the records will prove that what I am saying is true. Please solve my situation by deeming me my house backto me or make it possible for me to get a Making Home Affordable loan before it 's too late. Respectfully, XXXX XXXX XXXX
12/30/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 91324	Web
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Counsel Bureau of Consumer Financial Protection XXXX As the Agency is Aware I opened at least 3 complaints :XXXX in the past in regards Servicing of my home documents related to my property located at XXXX XXXX XXXX XXXX CA XXXX Against the Beneficiary, The Trustee and the Servicer. I started challenging and disputing the Assignment/Transfer from last XX/XX/XXXX up to now from XXXX XXXX to XXXX and from XXXX to SN SERVICING CORPORATION. I knew the Beneficiary /Investor it was XXXX XXXX during XXXX and XXXX XXXX serviced my Home documents at that time even i tried to keep paying to XXXX XXXX XXXX they fix or correct their wrong doing in transfer the Benefits to XXXX Because as the Servicer they can't assign/transfer the Benefits the only can do as I learned is the Beneficiary in this case XXXX XXXX XXXX There is not an Assignment/Transfer recorded from XXXX XXXX to any Beneficiary as XXXX XXXX XXXX it was XXXX XXXX XXXX XXXX o SN SERVICING CORPORATION claims it was XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX under XXXX XXXX as the Trustee. Further more I reported the 2 Fraudulent Assignment/Transfers to the CA State Attorney. As the time goes SN Servicing Corporation thru its Attorney XXXX XXXX has made some Misrepresentations of the Real facts about the standing its company has over my home property and Covered up a Fraudulent assignment in letting SN Servicing Corporation 's Employee signing in behalf of XXXX XXXX as an Attorney in Fact a Document an Assignment from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and another SN Servicing Corporation Employee giving instructions as beneficiaries to PRESTIGE DEFAULT SERVICES to start foreclosure Proceeding. This last one sent me a Notice of Default, Debt Validation and Declaration of compliance last XX/XX/XXXX. I responded the Notice of default, dispute the Debt validation Notice and Challenge the Declaration of Compliance directed again to XXXX XXXX and the other parties again been ignored, since they did not want to answer me or have integrity in their answer last XXXX I started an Arbitration/Mediation process under Federal Law Title 9 Chapter 2. Now on XX/XX/XXXX as a retaliation from XXXX XXXX, SN SERVICING CORPORATION and PRESTIGE DEFAULT SERVICE I got a notice of sale of my house for XX/XX/XXXX. I directed an email to the Owner of Prestige Default Service letting her know there are 2 Assignments with robosignatures, and the Invalid Notice of Default recorded in XXXX XXXX County records. Basically this company makes their dirty work in completing the theft process of my property without respecting any laws or regulation that protects me. At this time I'm reporting this type of abuse and Mistreatment by these 3 Companies I mentioned I would like you start an investigation because as Consumer I don't think I deserve to be treat is as such just because I want to exercise my rights to know who legally own my Property. If you need further any Clarification/ documentation let me know Thank You.
10/20/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	TX 77642	Web
On XX/XX/2023, I received a call from XXXX XXXX stating he was with SN Servicing and wanted to discuss our forbearance application we submitted. We talked and I took the following notes : XXXX financing XXXX XXXX ( New Account File XXXX ; only call him ) 1. House listed in default 2. My account been transferred to loss mitigation department 3. We have qualified for the XXXX program 4. He will help lower our payment, interest rates and all past due payments will be placed at the end of loan 5. Tying to approve the modification and error coming up on his end and not letting him proceed through 6. Put on hold 7. The modification was not letting him proceed even though I am qualified. 8. They cant just give modifications out ( reason we were not approved in XXXX ) 9. Must meet criteria 10. Then can finalize modification 12. Error message said escrow is behind 13. Told him I do not have escrow 14. Said he corrected it in the system and approved 15. Placed on hold to finalize loan modification 16. Wants to know what I want to pay for a mortgage? 17. Or lower interest rate? 18. Either lower payment or interest rate $ XXXX at fixed 2.25 % interest rate 19. 3 months trial payments XXXX, XXXX and XX/XX/XXXX. If all are on time, formal loan modification will XXXX. 21. Payments will go down to $ XXXX until we pay off loan 22. I must pay first loan modification of {$750.00} today 23. All payments missed to end of loan ( bring account current and out of foreclosure ) 24. After first trial payment, receipt then will get documents in mail, signed for and send back. 25. Once approved today, they can not proceed with the foreclosure 26. Once the payment is made today, the house will be removed from foreclosure status 27. I am qualified for loan modification and he is trying to help 28. SN has not been able to help until now because I did not qualify. 29. Now I can help out 30. Only call his direct line 31. Call back on main line 32. He can help now because customer at edge of losing their home, close to foreclosure, given first priority for program. 33. Why I didnt qualify in the beginning but qualify now. 34. Pay first payment by 35. Will receive documents Monday or Tuesday in mail by overnight 36. Payments are not made online or over phone 37. Payment needs to me applied as loan mod trial payment 38. Rules of XXXX program, 3 trial payments are accepted ( 1 ) Attorney accept payment with money order and mailed overnight or XXXX. Will take a couple of days to be delivered tomorrow or Monday ( 2 ) or other way is through money service at XXXX. Not required to pay anything else other than payment amount. 39. Apply payment today on account and complete proceedings on his end, send docs out 40. Call on his direct line only 41. Check with payment department and generate scan bar for loan modification 42. Go to XXXX and show the scan bar code 43. Once I go to XXXX, show bar code and accept payment there 44. Cash or debit card to make payment XXXX XXXX with SN Servicing. Called from ( XXXX ) XXXX Email : XXXX Direct line : ( XXXX ) XXXX
01/22/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 94115	Web
Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX , personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California ( 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner. XX/XX/XXXX XXXX XXXX XXXX records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX XXXX XXXX XXXX sells Plaintiff 's property to XXXX XXXX XXXX XXXX XXXX XXXX where XXXX XXXX participated in an unlawful auction that took place after XXXX XXXX, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have. On the date when the transaction took place, XXXX XXXX XXXX XXXX was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response. Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever. They also received a Notice of Default with Opportunity to Cure with no regard. The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists. In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.
12/28/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 766XX	Web
I am in the processing of selling my home and the mortgage company sent me a payoff that is XXXX over the principle balance in the monthly statements they have been sending me. I have requested for 2 months for an explanation of the reason for the dollar amount of the principle and to this date XXXX/XXXX/XXXX have not received an explanation. Back in XXXX XXXX I requested an explanation of the loan summary and never got a response. I am attaching the email I sent them asking questions that were never answered. To : SN Servicing Corp XXXX XXXX, XXXX Attention : XXXX XXXX Re : Loan XXXX, After we have reviewed our loan history you provided, we have questions. Please look over and send explanations of the following questions : 1 ) It is our understanding once the Bankruptcy was approved, all past due P & I and any late or legal fees were included in the amount for the Bankruptcy. But it does n't appear based on the loan history you provided, that this is correct. 2 ) It is also our understanding that there should be a late fee applied only if our payment is 16 days or more past the due date ( the XXXX of the month ), since going into Bankruptcy. But it appears that there are late fees applied when it should not have been. 3 ) The loan history you provided shows our first payment on XXXX/XXXX/XXXX was applied to the XXXX/XXXX/XXXX payment and this payment according to the Bankruptcy was suppose to be applied for the XXXX/XXXX/XXXX payment. All payments that are applied since Bankruptcy started are being applied to past due payments that are included in the Bankruptcy total you presented to the Trustee. 4 ) The loan history you provided shows at the time of Bankruptcy we were only XXXX payments behind and not XXXX payments according to what you provided the Trustee. 5 ) There are many transaction descriptions that shows " other fee assessments '' and we understand the late fee for the payment, but what are all the other fee assessments. There is not a column for the balance of these transactions. 6 ) There are many transactions for legal and attorney fees. We would like a description of what these are for. 7 ) There is a column marked " Unapplied Balance '', we would like to know what this column represents and what are the monies going into this column. 8 ) We would like an explanation regarding the P & I adjustments when no payment is being made. For example on XXXX/XXXX/XXXX our principle balance went up XXXX, but no explanation as to why it increased. 9 ) When we make a payment, we understand that any monies over and above the payment amount is suppose to be applied to interest first then principle. On the loan history you provided, this is not always the case. I sent this email on XXXX XXXX, XXXX, and to this date have not been answered. I have researched an read complaints about this company. The only answer I would like to get is an honest one and oh yeah, an answers to my questions.
03/23/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NC XXXXX	Web
On XX/XX/2016, I called my mortgage company to make a payment of {$490.00}. XXXX, the lady I talked to, told me that I normally pay on line, after that, she hung up on me. I told my husband I tried to make the house payment, the lady hung up on me, I do n't if the payment was made or not ; There were no thank you, we will process your payment, it will be so may days or what. My husband and I decided to pay the bill on line. A few days later we found that {$490.00} was debited from my/ husband 's account ; {$500.00} was also. I called XXXX ASAP asking why this company took {$500.00} without my permission & requested REFUND! of {$500.00}. XXXX tried to talk me into letting them/company keep the {$500.00} payment because XXXX was coming and I was gon na have to make another payment anyway. I told XXXX why would I want to make two house payments and of a higher amount in which I tried to make a payment of {$490.00} with you from the beginning. After a few harsh words, she told me to go to my bank, get statement proving they took the money in question & SEND FAX ; I did as requested of me and {$500.00} was credited back to my/ husband 's account. The next month 's house payment bill for XX/XX/2016, had a charge of {$25.00} for ( NSF ) NON-SUFFICIENT- FUNDS I called XXXX back asking why the charge of {$25.00} for ( NSF ) in which the money was there when you took it in the first place without me/ my /husband 's consent ; that I should not have to pay {$25.00} for something you all did wrong, Then, I asked XXXX to let me talk to someone in a higher position than her. I talked to XXXX supervisor, explained the situation at hand, requested to hear the recorded tape of quality assurance to prove that, # 1, I did not give you/your company permission to go into my/ husband 's bank account to get {$500.00} and now you want to charge me for the funds not being there. She said she will get the tape from ( IT ) Information Technology and she will call me back. I had to call them back ( 2 wk ). Then I was told that my husband gave permission in which he did not because he was reclining in his chair in the living room as he always does. We both remember all of this like it twas yesterday. I always take extensive notes when I pay bills and just about everything I do.The supervisor told me that I can not hear the recording.She left me with the impression that they can do and tell me anything, Just pay the {$25.00} ( NSF ) and be through with it is the impression XXXX leaves me. TODAY, the amount of {$25.00} ( NSF ) is still on my bill. This whole complaint is about my mortgage company debiting from my/husband 's bank account without permission, wanting to charge us for their paper work for them having to return our funds back to us. They will not let me hear the quality assurance tape and telling me we gave permission to go into our bank account in which we did not. This is not fair.
03/22/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 10473	Web
My lender and/or mortgage loan servicer is practicing unfairly and in dad faith. I fell behind on my mortgage due to lost in income and on XX/XX/XXXX I received notice that a Foreclosure proceeding had commenced on me with a conference date of XX/XX/XXXX. I attending and expressed my reason for failing behind and concern for the excessive fees in the amount of {$5800.00} being charge above what I owed for principal, interest, tax, which at the time was {$9900.00} - {$730.00} an unapplied balance ( I pay insurance out of pocket ). Fast forward a few conferences and a lot of conversations with the server XXXX my Modification application was determined complete as of XX/XX/XXXX. XX/XX/XXXX my loan was transferred from XXXX to SNSC. After numerous attempts to contact the new server on XX/XX/XXXX I receive an email from their attorney stating they had received my messages but are not interested in speaking to me and requesting additional documentation which was sent followed by an additional request on XX/XX/XXXX in which all documentation was finalized on XX/XX/XXXX. XX/XX/XXXX I received a letter from SNSC stating I was approved for a modification and should expect a packet in the mail, which I had 14 days to review and return by this time I was corresponding with the server by email. XX/XX/XXXX I reached out to the asset manager in reference to the letter and was informed no such thing existed and insurance information was requested of me, which I provided. I proved to her that I had indeed received the letter. XX/XX/XXXX I received a really brief email from another rep stating their modification terms, principal will increase from {$180000.00} to {$200000.00} interest rate will increase from 3 % to 5 % and payment will increase from {$810.00} to {$1100.00} for 480 months and requesting two good faith payments of {$810.00} before the XXXX month trial period started on XX/XX/XXXX. I made one good faith payment on XX/XX/XXXX. XX/XX/XXXX we had a settlement conference in which the court voiced thire concern for the interest rate hike since it was above current rates and the court advised plaintiff to comply with rates currently being offered if they needed to raise the rate, it was also directed that I receive an itemized explanation of the {$10000.00} in additional fees being charged above total mortgage payments due of {$15000.00}. XX/XX/XXXX after a few more emails I received their final Modification offer Initial Rate : 4.50 % for the first 24 months, Step rate will increase to 5.00 % after 24 months all other terms remained the same as last offer. These terms are unfair and have been provided to me via email with no follow up letter stating my rights or available options. I am hoping we can come to an affordable agreement where the final mortgage payment is affordable and hopefully the fees are not excessive.
04/12/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 305XX	Web
SN Servicing ( aka SNSC ) assumed our mortgage from XXXX XXXX XXXX in XXXX. In XXXX & XXXX we lost XXXX immediate family members to XXXX & became behind on our payments. In XXXX & XXXX we made substantially large mortgage payments ( $ XXXX ) to help rectify past payments & show good faith going forward. Payments were consistently made XXXX & XXXX until we were impacted with Covid in early XXXX. Covid packets from SNs website were completed & submitted timely throughout the pandemic, notifying changes to our status regarding payments. We requested the ability to make partial payments but instead our account access was locked, preventing any payments to be made nor the ability to view the status of our account. Repeated requests were made to SN regarding updates to our account with no response. XX/XX/XXXX we were notified via text from a 3rd party broker our home was in foreclosure & set to be auctioned XX/XX/XXXX. Upon reaching out to the XXXX listed in the newspaper advertisement, then did we receive a copy of the foreclosure documents. The property acreage is listed incorrectly at XXXX & the XXXX was notified postponing the sale until XX/XX/XXXX. As of today, it is still incorrect. The correct acreage is XXXX, as my husband sold XXXX acres in XXXX. SNSC is demanding ~ $ XXXX to reinstate the loan or $ XXXX to postpone the sale for a few months to give us time to find refinancing. Neither of these options were what I thought was outlined in the government Covid relief plans, nor was the ability to charge late fees during Covid? I also thought the Covid relief plan included modifications to help borrowers have more affordable payments, by restructuring the loan with longer terms & potentially lower rates /payments. Even if we borrowed $ XXXX to get the loan reinstated, the modification we received doubled our existing payment. We CAN easily pay our previous $ XXXX payment but doubling the payment to $ XXXX we CAN NOT afford. When I asked if SN would work with us on reinstatement of the loan or different modification terms because we fell behind due to Covid, they stated the foreclosure was not associated with Covidbut the past due amount pre-Covid which I thought we had negotiated & put to rest with the $ XXXX that was paid in XXXX? We paid $ XXXX in XXXX check & in the payment ledger provided, I cant determine where any of those large payment were actually applied. I wouldve thought paying large amounts would have made a huge dent in the overall payment? We need help desperately. The late fees & misc charges SN has charged us over the past XXXX years is astronomical. I understand at times we have fallen behind but they make it impossible for borrowers to recover. Please help us save our home. I have attached the ledger of our account for review.
01/18/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ 074XX	Web
My story has not changed take a look at ALL my complaints starting with the first complaint to SN Servicing Company on XXXX, XXXX, XXXX SN Servicing Company should send an electronic copy of the requested pay-off letter through the CFPB web site that lists all fees and all mortgages along with the current mortgage information and balance required by law. The impact of COVID will result in all very large number of requests for information prior to refinancing and FORECLOSURE and it is very important that request for a simple pay-off statement are not handled like this on and take months to obtain. I requested my information on XX/XX/XXXX and still have not received the information. People with FORECLOSURE proceedings would be faced with paying an inflated lump sum pay-off or lose their homes. This must come to an end the public should never ever be subjected to this type of treatment. This is not mental problems please look at the attachments along with the long list of complaints that I have filed trying to confirm if the mortgage was processed or voided or paid off. XXXX title has not replied to my complaint to identify the property with the legal description of the location of the insured property. All I have requested is a copy of the insured location and have been bombarded with a 40 page response and NO TITLE POLICY FOR THE INSURED LOCATION. I financed my original purchase with a XXXX XXXX XXXX XXXX MORTGAGE and NOT WITH A DEED OF TRUST or anything else. I don't want to be writing back and explaining that I told you so. I would like much attention drawn to this type of matter now before many families are consumed and subjected to foreclosure or paying an inflated pay-off without ant break down. THE LAW IS THAT ALL MORTGAGES AND FEES ALONG WITH THE CURRENT MORTGAGE BALANCE MUST BE ON THE PAY-OFF STATEMENT. The COVID problem will result in a feeding frenzy and major problems for honest hard working people who have been subjected to illegal communications tampering with email interception and impersonation along with phone tampering with caller ID spoofing call interception and voice impersonation. How can you communicate with your employer and how would communicate with an attorney. The answer is to do everything in person like I have all you will lose everything and get thrown on the street and labeled a mental patient. SN Servicing company should simply submit an electronic copy of the pay-off statement as required by law through the CFPB website. Is that too much to ask for? We all need to learn how to look out for one another and the first step is making sure that the next person is not subjected to the wrath of problems getting something they are entitled to receive by law. Please take a look at the history of my cases and see for yourself.
11/12/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95678	Web
Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/19. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXXXXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXXXXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX, whoever they are. I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXXXXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
07/24/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95678	Web
Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/2020. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX, whoever they are. I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXXXXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXXXXXX. They have received my loan modification packet and is in review. I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXXXXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2020.
09/30/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95678	Web
Hello, my name is XXXX XXXX. I have a foreclosure sale date scheduled for XX/XX/2020 at XXXX. I dont know how SN Servicing Corporation and XXXX XXXX XXXX are able to sell or attempt to sell my home with an old and expired Notice of Trustees Sale, even more Im in an active loan modification process at the moment with SN Servicing Corporation. This is very interesting and very scary for me and my family. Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX, whoever they are. I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and their procedures as they are not helping the borrowers, and also the previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2020.
10/25/2019	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95678	Web
Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive been working for a very long time with XXXX XXXX XXXX XXXX ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whoever they are. I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
09/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD XXXXX	Web
My complaint is in regards to the unprofessional conduct that I received from SN Servicing by XXXX XXXX the account manager handling my account. I have spoken to her on several occasions about my account and each time she has been rude, argumentative, evasive, and refuse to provide me with information regarding my account ( encounter dates XX/XX/2020, XXXX and XX/XX/2020 ). Her unprofessional conduct towards me has been a barrier to me getting pertinent information on my loan ( i.e. mortgage payment information, property tax information, overpayment of property tax info., and property tax refund info. and a new escrow analysis ). Each time I have tried to talk to her about my mortgage payment, and property taxes she has refused to allow me to speak. She has rudely over-talked me, interrupted me and have hung the phone up on me or put me on hold while I am speaking without returning to the phone. I also emailed Ms. XXXX regarding my concerns on XX/XX/2020, after I was given her email address by her supervisor, MsXXXX XXXX. When I asked Ms. XXXX today ( XXXX ) why she did not respond to my email sent to her on XXXX, she lied and said she did not receive the email even though she noted on XX/XX/XXXX in my account that she had received the email. I have spoken to her supervisor XXXX XXXX on each occasion that Ms. XXXX was rude and unprofessional to me, and I was assured each time by Ms. XXXX that Ms. XXXX behavior would improve, and that I needed to talk to Ms. XXXX directly because she is the person handling my loan. On today, XXXX I spoke with Ms. XXXX again in an attempt to get an update on my mortgage payments and property tax payments and she refused to allow me to complete my questions, and again she was extremely rude and cut me off by putting me on hold while I was speaking. While she kept me on hold for about 10 minutes I contacted SN Servicing on another line to report her conduct and I was able to speak to the supervisor XXXX XXXX, about the matter. Ms. XXXX response to my complaint was that she was not on the call so she does not know what happened and told me to write a complaint to the legal department. I would like to be able to get professional, appropriate, and timely responses from SN Servicing in regards to my loan. I would like a new escrow analysis, and an accounting of the funds that were paid for property taxes as well as to have SN Servicing request the refund that is due from the District of Columbia resulting from an over-payment of taxes. However, to date I have been barred from getting timely pertinent information about my loan and these actions by SN servicing is threatening to drive my loan into default.
01/26/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93035	Web
This administrative complaint is filed on behalf of the complainant by her advocate. The complainant has limited English proficiency. The complainant was a self-employed hair stylist for many years. The ongoing worldwide COVID-19 pandemic forced her to close her business. She was approved for a forbearance on her mortgage loan for XXXX through XXXX. XXXX, SN Servicing Corporation representative, told the borrower to apply to have the forbearance payments added to the back of the loan after XXXX. The borrower applied to have her forbearance payments added to the back of the loan, but XXXX was no longer available, instead she worked with XXXX. XXXX was short tempered and negligent in clearly explaining the forbearance options, provide investor information, or explain the borrowers right to authorize a third party. The borrower submitted multiple applications to add the forbearance payments to the back of the loan. Correspondence regarding the forbearance application was sent to the borrower in English. She did not understand why she was offered a repayment plan instead of adding the payments to the back of the loan. She tried to authorize her daughter, but XXXX repeatedly said no, without explaining that a third-party authorization form needed to be submitted. The borrower feels that XXXX actions were inconsiderate of her obvious language barrier. Additionally, instead of explaining why the forbearance payments were not added to the back of the loan, XXXX repeatedly told the borrower to submit a new application. The borrower lost count of how many times she applied before XXXX told her the investor of the loan wasnt willing to add the forbearance payments to the back of the loan. The borrower asked for the investor information. XXXX told her to re-apply so they can re-review her, instead of providing the investor information. The borrower re-applied. The investor refused to put the missed payments to the back of the loan again. Never once did XXXX, nor anyone at SN Servicing Corporation, explain to the borrower that not all mortgages are protected under the CARES Act. The borrower believes information was purposely withheld as a tactic to lead her to foreclosure or force her out of her longtime home. Should SN Servicing Corporation representatives have clearly explained the realistic alternatives, the borrower would have been more cautious in accepting a forbearance plan. The borrower would also like to have CFPB be aware that SN Servicing Corporation is not offering reasonable options to homeowners who were directly affected by the on-going worldwide pandemic.
01/11/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21206	Web
The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our RMA application and or the offer for purchase. The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said RMA application. SN Servicing Corporation stated that XXXX XXXX XXXX would be considered and eligible for a COVID-19 Forbearance plan and that XXXX XXXX XXXX would be entered into the plan on XX/XX/XXXX and payments as well as any foreclosure activity would be placed on hold. Instead XXXX XXXX XXXX received a notice of foreclosure sale scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a clear example of the term Bait and Switch and consistent with the prohibited practice of Dual Tracking. SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
01/24/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98290	Web
Ever since SN Servicing took over my mortgage XXXX, I have received multiple letters asking for proof of homeowner 's insurance. As soon as I received the first letter, I reached out to my insurance agent to make the necessary change to the lien holder and send the updated documentation. Multiple times it was emailed, faxed and mailed by both myself and my insurance agent. This month ( XX/XX/XXXX ) there was an additional $ XXXX required on my XXXX escrow payment, which, according to my phone call with XXXX XXXXr on XXXX was for force placed insurance. This was a mistake. They are allegedly correcting this, so that my normal mortgage payment I already made can be applied. It is currently sitting in unapplied funds. I have dealt with this insurance issue for months now. I have email chains from XXXX XXXX ( SN Servicing account representative ) with all of this documented. The first emails start on XXXX. Per my insurance agent, " XXXX '' had already received the policy and resolved it. On XXXX, I received yet another letter threatening force place insurance if I did not send proof. I once again emailed and attached the insurance binder showing I had insurance. On XXXX I followed up asking if it had been resolved. Finally, he replied on XXXX. He stated that " XXXXN Servicing has receive your HOI policy. '' On XXXX I emailed again stating " When will the force placed insurance amount be refunded to my escrow account? I see my latest statement something like {$800.00} was deducted. Please advise ASAP. '' The same day, he replied with " The force place insurance charge was refunded to your escrow account on XX/XX/XXXX. '' I replied back with " Ok, so that will reflect on the XX/XX/XXXX statement? ". He then replied with " Yes ''. If possible, I can attach all the email chains, and I ask that SN Servicing review the recorded phone calls with XXXX. XXXX is one of the most argumentative, and rude people in customer service I have ever dealt with. He seriously lacks professionalism. Each time I have spoken to him, he argues, interrupts and offers unsolicited insights and analogies that I have no interest in hearing. He interrupts me multiple times while I am trying to speak. This is especially frustrating since I am only calling to try to resolve yet administrative mistake. I also think it is misleading to send mortgage statements that do not detail what the increase in escrow cost. In this case, it is force placed insurance. The statement does not state that at all.
04/11/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38018	Web
I purchased my home in XX/XX/XXXX and in XXXX I became XXXX In XX/XX/XXXX, I was approved by Keep My Tennessee Home Hardest Hit Fund Loan through the Tennessee XXXX XXXX XXXX ( XXXX ). After my loan was completed I was approved for a loan modification through XXXX XXXX Mortgage XXXX and then transferred to XXXX XXXX XXXX I was approved for a XXXX modification through XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX at the height of XXXX. I completed the trial period in the amount of {$650.00}. XX/XX/XXXX I underwent another hardship when a water pipe burst under a slab in my home which increased the water usage and my bill was extremely high and couldn't make my mortgage payments. In XX/XX/XXXX, XXXX informed me by letter my mortgage was being transferred to SN Servicing Corporation and they would be able to assist with the modification process. During XXXX and the slab leak and high utilities my payments fell behind. In XX/XX/XXXX when I became able to to start making payments my case manager./representative, XXXX XXXX ( XXXX XXXX XXXX X XXXX told me I needed to do another modification even after I told her I was approved by SPS. She also told me to pay something to show good faith, ( at least I started to ). In XX/XX/XXXX I received a letter stating {$600.00} payment was rejected and charged {$30.00} which wasn't refundable because it wasn't sufficient to make the payment as stated in the notice of payment for {$710.00}. And I never received my final modification contract with new mortgage payment. At this point I was confused and in need of help. She said I needed to pay as of XX/XX/XXXX {$12000.00} mortgage payments in full. She said I couldn't afford my home and should sale it, file bankruptcy take out a XXXX XXXX XXXX, after she revealed to me she was homeless. I told her I was sorry to hear that but it sounds like you want me to be homeless too, because instead of trying to help me keep my home you sound like you want me to be homeless like you were. I asked to speak with her Manager. She transferred me to her Mgr. XXXX XXXX. They both refused to accept any payment unless it was in full ( one lump sum ). I feel I have been discriminated against because after my mortgage was transferred from XXXX XXXX XXXX, SN Corporation Servicing refused to honor my Covid-19 hardship modification, refused to accept reduced payments or make payment arrangements. I now have foreclosure sale date on my property for XX/XX/XXXX Respectfully and Sincerely, XXXX XXXX
03/18/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92101	Web	Older American
Due to a unfortunate event of COVID-19, We were granted 6 moths of forbearance from XX/XX/XXXX to XX/XX/XXXX, I was told by employee of ( XXXX XXXX XXXX ) after that i can submit doc to differed the un paid mortgage, in XXXX of XXXX i submitted the request and income verification but no answer, I calld them in XX/XX/XXXX as the status of my case, i was told they transfer the loan to new servicer ( XXXX XXXX ), i called the new servicer i was told it takes 2 months for them to get the documents from ( XXXX XXXX XXXX ) no answer for 3 months always losing or wanting more paper work, and since XXXX of XXXX they will not take my regular payments, I was told by XXXX XXXX they have NOD on the system and will not accept any payment, no NOD was recorded and i did not have any notice send to me by them, i asked them send me any document, they did not.i asked them what happened to package application for loo mitigation no answer from them just we just transfer you loan to new servicer, SN SERVICING CORP XXXX XX/XX/XXXX, I contacted SN serving corp they have assigned me to a case manager after several attempt finally got hold of her, I WAS TOLD WE ARE NOT PART OF ANY COVID PROGRAM YOU NEED TO PAY ALL THE MOMEY U OWE, They play a game than you owe alot and they would not help and they foreclose. I ASKED HER IF I SEND HER NEW PAPER WORK ( LOAN ) PACKAGE WILL THAT HELP?, I TRIED TO MAKE MY PAYMENT SINCE XX/XX/XXXX SHE REPLIED THAT WILL NOT HELP, YOU WILL LOSE YOUR 2 % FIX RATE FOR LIFE OF THE LOAN YOU have, AND YOU MAY GET4.75 % AND BIG DOWN PAYMENT.I asked her to send me loss mitigation on XXXX and today is XXXX, for past 10 days i tried to get hold of her leaving voice mail nothing is happening, I called today XXXX i was told she is in the office and as usual she was not in the office, another asset manager said she will e mail her and SHE WILL BE IN THE OFFICE MONDAY XXXX Am a veteran of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX XXXX This loan was fraud from inception 1 month mta with negative amortization i was employee of XXXX when this loan was made, in XXXX i know all about it. Me and my family are going throw bad time for thinking of what is going on, specially we are capable to make our payments .all i tried is to make my payment after XXXX months of help with forbearance, I wish i never accepted that help. on behalf om me and my family greatly appreciate your attention .Best wishes
05/01/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08873	Web
On XX/XX/XXXX, my husband and I were approved for a four-month repayment plan of {$580.00}. That day I received a letter from XXXX stating she received a {$1900.00} payment. I responded and stated that she was incorrect and provided proof that I paid {$2200.00}. On XX/XX/XXXX, XXXX emailed me ( attached ) saying she did not like my tone. I did not verbally speak to her ; it was by email, so I want to know how she can make any assumption. I only said I would like to know where the {$190.00} went. You will see her horrible and unprofessional response to me ( email attached ). Fast forward as to why I am making a complaint with CFPB, on XX/XX/XXXX, I responded to XXXX 's email about XXXX and XX/XX/XXXX payments. I stated that my husband 's XXXX and whatever back pay from his employer had stopped, which was the reason for the late payment for XXXX. I also stated I would make a payment on XX/XX/XXXX I did not say I would make one payment. XXXX assumed that's what I would do and blocked my account preventing me from making a payment. It stated, " XXXX XXXX does not have access to any loans. Please contact Customer Service ''. That wasn't the case I got paid that day and made both payments by phone since she locked me out of my account knowing I said I would make a payment. To me this was done intentionally and I was told she was out when I emailed her and called her about not being able to make my payment online, to date no response, not sure if she's still out. I asked why I was locked out they stated they ( customer service ) did not see any notes as to why my account was blocked and XXXX was out. XXXX XXXX XX/XX/XXXX email had me very upset, and I am taking this matter personally, 1. why would you stop me from making a payment as of today I still don't have access to my account and 2. To request a demand for the past due balance and attorney fees/foreclosure when I said I was going to make that payment. Had I not called to make the payment and with her being out on XX/XX/XXXX to remove the hold on my account, that would have put us in default/foreclosure procedure. This is scary this can destroy someone's life. I would like to have someone else from SN Service Corporation to be our accounts Representative. Our payments are up-to-date, and I would like to have access to my account I was told after I made those payments, I would have access and I don't.
09/23/2019	No	Mortgage Conventional home mortgage	Trouble during payment process	NY 11530	Web
This compliant is about the servicer SN Servicing, XXXX XXXX XXXX, XXXX CA XXXX and XXXX XXXX XXXX XXXX, XXXX NY XXXX They have transferred our loan several times over past year, and we were never notified that ownership of loan was transferred until we asked several times. They never gave us name, address and telephone number of the owner of the loan, until we asked court referee to get them to provide in XX/XX/XXXX, months after they apparently sold. On XX/XX/XXXX XXXX XXXX, debt collector filed Notice of Judgement Foreclosure sale on our home, on behalf of XXXX, but XXXX had apparently sold our mortgage in XX/XX/XXXX, but we were never notified. XXXX XXXX XXXX XXXX, XXXX NY XXXX filed motion in court in XX/XX/XXXX, and were granted a judgement foreclosure sale on our home, and they went ahead with sale date for XX/XX/XXXX, despite the fact they did not own the mortgage and had sold the mortgage and transfer rights, but never advised us. We had no way of knowing who to contact of the new owners, as we did not know they had sold it, and we were still attempting to contact XXXX to stop the sale of our home, as we thought they were still the owners It caused huge stress for us between XX/XX/XXXX and XX/XX/XXXX, trying to stop sale of our home, and we did our own Order to Show Cause and stopped the sale of our home by XXXX. We later found out that XXXX did not even own the mortgage, and had fraudulently filed a Judgement for Forelosure sale in courts, in XX/XX/XXXX, and then they finally transferred the mortgage on court records from XXXX to XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX, a year and half after they apparently actually sold the mortgage again on XX/XX/XXXX to XXXX XXXX., but we were never notified of owner contact details sale etc. they only advised us it has been transferred, when we got a letter on XX/XX/XXXX. XXXX tired to sell our home, and filed false papers in court that they owned our mortgage in XX/XX/XXXX, when they had already sold it 6 months prior, but never notified us, and we had not way to contact lender and rectify. and new owners XXXX XXXX XXXX run by SN Servicing XXXX XXXX XXXX, XXXX, CA XXXX, have transferred our mortgage twice, and never provided all the supporting details or information that it had been transferred. Not once have they ever advised us where the transfers were recorded, or whom we could contact.
05/03/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30062	Web
XX/XX/2020 my property had a sewer flood. I reported an insurance claim for collection on homeowners policy. The insurer issued payment for repairs to be made to property from my homeowners policy in the amount {$62000.00}. The Mortgage company SNService was informed the Contractor hired for repairs estimate was signifacantly higher at {$73000.00}. The insurance company did not cover the repairs to be made by the c ontractor that was hired due the insurance company failure to provide the additional {$10000.00} that was not enough to hire my preferred contractor. As the property owner I was responsible to provide due diligence and make repairs. I used personal funds to finance the mitigation while waiting for the mortgage company to reimburse me for personal funds to be dispersed by the mortgage company that had received {$62000.00}. SNService Mortgage denies disbursement for payments for mitigation and repairs that were completed. To obtain disbursement I submitted receipts, pictures for before and after mitigation along with reports from the structual engineers, and even allowed a home inspection to provide evidence I had indeed spent substantial funds for mitigation and home repairs. The mortgage still denies disbursement of the insurance funds provided to them to be disbursed for the purpose of mitigation and repairs to my property. When I demanded the funds be made available to me and even to me and the contractor I was denied. The mortgage company tells me that they will have their legal department contact me, which has never happened. This has been going on for months and delays my repairs to the property. The mortgage company provides no reason, and has NO LEGAL reason to refuse to reimburse me for the funds needed for the property. SNService mortgage only continously denies my funds they hold from my insurance claim which they were provided for repairs to be made which they deny providing for those repairs. I can not repair my property which will go into foreclosure due to the illegal withholding for these funds which I was to access and repair the property. I am XXXX and this is my primary only property, foreclosure will make me homeless. Snservice is forcin the situation into a foreclosure by denial for disbursement for the repairs needed and to prevent immenent forced foreclosure. They are illegally with holding my funds, I need assistance.
04/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44121	Web	Servicemember
My loan was sold to the current servicer SN Servicing on XX/XX/XXXX. Before the loan was sold, I had entered into a COVID forbearance with the prior servicer XXXX XXXX. I called XXXX XXXX and informed them that I had XXXX. The representative explained to me that I was eligible, and the phone call was all that was needed to enroll in the program. XXXX XXXX representative also said that the program is good for one year however, I have to call in every three months to see if I still needed the coverage, and at that point I could extend for another three months. I agreed, I was now enrolled in the program from XXXX thru XXXX. On XXXX XXXX SN Servicing purchased my loan. I then began to get phone calls and letters from SN Servicing informing me that they had purchased my loan and that I was due for payments. I told XXXX the 1st representative that I made contact with that I was on a forbearance from my former servicer. I told him that it was a federal program and that my old investor was XXXX XXXX, and the old servicer was XXXX XXXX, and asked them to honor the forbearance. I asked if they had any kind of program ( s ) that could help but he said they had nothing and that he would get back to me, he never did. I then began to deal with XXXX, and she also stated that they did not have anything but, referred me to the local agencies and also said " Those COVID programs should be abolished ''. I was also informed that the new investor XXXX XXXX XXXX was not a government backed investor, so they did not have to abide by the previous agreement which was set in place by XXXX XXXX. I sent the agreement from XXXX XXXX to XXXX at SN Servicing on XXXX XXXX in hopes that they would honor the agreement but, I have not heard from SN Serving currently. At this point my home is up for foreclosure and I am at my whit 's end and do not know what to do since I have only been given a foreclosure notice and no other correspondence. So, at this juncture I am asking that they uphold the agreement that was in place with XXXX XXXX until XXXX ( if needed ). I have lXXXX XXXX so I am still recovering at present. I would also like the foreclosure to be stopped immediately since this undue stress is detrimental to my recovery. I am working hard to get well and hopefully this stressor can be alleviated so that can have a full recovery and begin to make payments again.
07/03/2023	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91741	Web
My primary mortgae company SN Servicing Corporation at XXXX XXXX XXXX, XXXX, Ca XXXX has refused to report my mortgage payments-history to credit companies. I spoke to my account representive XXXX XXXX XXXX about three weeks ago and he advised me that he is required to speak to his supervisor regarding this issue. His superviser phoned me and advised me that it is not their company policy to report any mortgage payments to credit companies if a client has filed for a bankruptcy. I explained to this represtative that my bankruptcy ( court case number XXXX ) has been court ordered discharge on XX/XX/09. I requested that this supervisor provide me with a letter of confirmation of our discussion regarding the fact that because I filed for XXXX her company ( SNSC ) is not responsible for reporting my payment history to all major credit bureaus. She refused to repond to my request and advised me that she is required to speak with an in house counsel on this issue. A few days went by and I contacted my financial advisor and he called and spoke to XXXX XXXX XXXX and requested that I provide a Request and Consent to Provide Account Information to Authorized Third Party. Again we complied and waited to no avial. My financial advisor suggest we give SN Servicing Corporation several business days to respond. My financial advisor has since sent a follow up email request and as of today I have not heard a single response from XXXX XXXX XXXX or his supervisor on this issue. No phone call, no letter not a single response. My situation is I am attempting to re-finance my property prior to any more interest rate increases and with no mortgage history being reported by SNSC my efforts to refinance are prejudiced. My concern is being that I filed and completed all governmental and court issued regulations to sucessfully have my Bankruptcy discharged and I am to be punished for filing a XXXX by SNSC not reporting my payment history? thereby encroaching my ability to fairly obtain a refinance? I am deeply concerned of this situation and SNSC 's position on this issue seems to me highly unfair and also an extreme prejudice towards my quality of life and my Credit Score Standing. Any assistance in this matter would be grately appreciated. I have do I need to consult with any attorney? Thank you, XXXX XXXX
01/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33462	Web
RESPONDENTS FAILURE TO TIMELY RESPOND TO CONSUMERS REQUEST FOR INFORMATION PURSUANT TO 12 C.F.R. 1024.36 12 C.F.R. 1024.36 ( d ) ( 1 ) Response to Information Request provides that : ( 1 ) Investigation and response requirements. Except as provided in paragraphs ( e ) and ( f ) of this section, a servicer must respond to an information request by either : ( i ) Providing the borrower with the requested information and contact information, including a telephone number, for further assistance in writing; or ( ii ) Conducting a reasonable search for the requested information and providing the borrower with a written notification that states that the servicer has determined that the requested information is not available to the servicer, provides the basis for the servicer 's determination, and provides contact information, including a telephone number, for further assistance. 12 C.F.R. 1024.36 ( d ) ( 2 ) ( B ) Time Limits provides that : ( B ) For all other requests for information, not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the information request. On or before XX/XX/2022, XXXXXXXX SN Servicing Corporation ( hereinafter, XXXX or SN ), received the Consumer XXXX XXXX ( Consumer or XXXX XXXX ) XX/XX/2022 request for information ( XXXX ). The XXXX XXXX requested, among other items, call notes, loss mitigation documents and information, an accurate pay off balance, the mortgage loan owner/assignees contact information, and other information. In the XXXX, we specifically requested that RESPONDENT send all correspondence to our authorized third-party representative, XXXX XXXX XXXX XXXX A copy of the XX/XX/2022 XXXX and a copy of the US Post Office XX/XX/2022 delivery confirmation of same, are attached hereto as Exhibits A and B, respectively. Unfortunately however, XXXX has failed to investigate and/or respond to the XX/XX/2022 XXXX, and has therefore failed to comply with section ( d ) ( 1 ) of 12 C.F.R. 1024.36. Specifically, XXXX failed to comply with Regulation X, 12 C.F.R. 1024.36 ( d ) by not providing the above items to me, the Consumer in a timely manner. By copy of this Complaint, we are once again requesting that XXXX immediately provide us with the items listed in the XX/XX/2022 XXXX ( See Exhibit A ).
07/23/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33076	Web
For the past 2 years I have tried to obtain a loan modification from SN Servicing. The single point of contact in charge of my file has done everything he can to stand in the way of allowing me to get this done. I am a self-employed caregiver and I do not have pay stubs so I have submitted a profit and loss statement and bank statements to support the profit and loss statements. My tax return did not support my income claim because of the number of write-offs I was claiming. This year I had my accountant reflect my complete income that I make on my tax return, without any write-offs and have submitted the file again with my bank statements and a letter detailing every deposit that was from my income in my bank account. In the past XXXX XXXX has accused me about lying about my income because he said the documents did not support the income. I take care of an old lady in her home, I am not a sophisticated business owner, and I must confess that I did not keep my books very well in the past. I would sometimes cash my pay check and pay some of my bills before depositing the full amount in the bank account but after being denied for this reason, I have kept detailed account of all my earnings and my accountant can vouch for this fact. However, XXXX XXXX advised me on the phone ( laughing and in an extremely sarcastic manner ) that SN Servicing would not even consider looking at my file again because of the denials in the past. People 's circumstances change, a ) I have paid off my car and no longer have that payment, b ) I deposit all my checks into my bank account to show my income, and c ) my XXXX lien has worked with me to lower that payment and make it more affordable. I would like to have XXXX XXXX removed as my single point of contact and have an impartial person put in his place to look at my file. At this point I think he has a personal vendetta against me and from the way he speaks on the phone to the third party handling my file, it seems like he would like to see me loose my home. I have worked very hard to purchase that home and I will not let that happen because of one mean spirited employee at a bank who thinks because of his position, he gets to call all the shots. I am attaching the recent package that was sent to SN Servicing for your information.
07/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98011	Web	Servicemember
To whom this may concern, I am in the most unjust situation. This is actually the second time I have complained and nothing was done. I have proof that I was given a loan modification with all the escrow built into the loan, with my rate and I paid Home Owners Insurance through my HOA. So after I refinance by accepting the loan modification ( we fell under hard times but recovered ), they then sell my loan. The new company was fine, but they kept asking me to provide insurance proof and I did, but it did not go through, so they placed lender placed insurance on my house. I then appealed and proved I had HOI through my HOA, even though it was exceedingly difficult. Then they said they accepted my insurance, but then sold my loan to my current company, SN Servicing Corp. Ever since SN Servicing Corp took over my loan, they have destroyed my credit! My last lender evidently did not resolve my unnecessary escrow balance for unnecessary insurance, which I provided the proof I didnt need. They then tell me I somehow still owe them for the escrow imbalance that they inherited from my last company. You would know this because I had always paid my escrow through my lender and I did not need insurance, so there was no escrow balance. It was from the last lender 's misunderstanding and we fixed it and I should have been given a credit. Nonetheless my new lender said I had to pay {$900.00} and I did. Then they said I owed {$1500.00} and my payment would go up a little over {$200.00} a month for " taxes '' increased, which is impossible, because I checked with my city hall. You mean to tell me I am supposed to pay {$700.00} a month in escrow just for taxes and mortgage insurance ( because I dont pay HOI through escrow, I pay through HOA ) when before it was never more than {$300.00} at most. Yet, I had been paying my new proposed payment which increased by over {$200.00}, yet because of this unjust and unnecessary escrow imbalance, they now say I owe over {$8000.00} to be current! This is insane! This is not fair! I have documents to prove all of this. My credit is being destroyed and becoming indebted beyond being able to catch up, all while never missing a single payment and even paying the increased monthly payment of over {$200.00}.
10/26/2019	No	Mortgage FHA mortgage	Trouble during payment process	NJ 070XX	Web
My mortgage loan was sold to this company during the XX/XX/XXXX - XX/XX/2018 timeframe. I was notified of the transfer and told that SN Servicing Corp would officially take over as of XX/XX/2018. During the transfer process, I was immediately confused as to when my next payment was due because I was already informed that money was still being processed from the old servicer ( XXXX XXXX XXXX ). In XX/XX/2018, there were 3 payments made : one from XXXX XXXX XXXX ( {$920.00} ), one from me ( {$870.00} ) and one from Rushmore Loan Services for ( {$460.00} ). I even called/emailed the company for clarification - never received a response to my email and was given misleading information during the phone call. Technically, this should have been payments for both XX/XX/XXXX and XX/XX/XXXX, however, only one payment was created ( posted ) in timely fashion and ultimately when I made my next payment in XX/XX/XXXX for the amount of {$870.00}, this was incorrectly considered a " late '' payment for XX/XX/2018, when it should have been an on time payment for XX/XX/2018. Needless to say, I am convinced that much of my account history with SN Servicing is flawed, resulting in a cascading effect on my history. I have requested a forensic audit ( line-for-line ) from SN Servicing Corp and they refuse to be cooperative. I am concerned because they have a D- Rating with the XX/XX/XXXX and have several complaints filed against them for similar claims, most of which involve fraudulent activity with their servicing of loans. I believe some of my late payments are the direct result of inaccurate accounting, as well as poor communication, inexplicable fees and other intentionally misleading accounting practices, which I'm sure violate regulations. When I made attempts to bring my account current, I was also misled by Customer Service that additional payments would help bring me current, when ( in fact ) some of them simply got put towards principle in error. I am requesting an investigative audit of my account. As a result of their handling of my entire transaction history, my wife and I have been declined for a mortgage based on this one company 's accounting, even though the rest of our credit profile ( and payment history ) is great.
11/19/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DC 20032	Web
My mortgage servicer, SN Servicing Corporation, specifically its employee, XXXX XXXX, has intentionally and purposely obstructed and delayed my application for hardship relief due to COVID-19. On XX/XX/2021, I submitted a hardship application via email advising my mortgage servicer, SN Servicing Corporation, that I was temporarily unable to make my payments due to a delay in starting a new job. The submission was sent to asset manager, XXXX XXXX, who responded to me on XX/XX/2021 advising that the company would defer my XXXX mortgage payment and requesting that I set up a payment plan for XXXX. On XX/XX/2021, I sent an email to XXXX XXXX asking for relief through XXXX. XXXX XXXX responded to my email on XX/XX/2021, stating that " the investor is not offering to defer nor forbear any payments, which is why neither is being offered. '' This statement was a complete contradiction to the XX/XX/2021 email, in which I was advised that the XXXX payment would be deferred. On XX/XX/2021, I sent a reply to XXXX XXXX expressing my confusion and concern from this contradiction. On the same day, XXXX XXXX, an employee of SN Servicing Corporation, whom I've never met and only learned of upon submission of my hardship application, sent an email personally attacking me and completely failing to address the discrepancy of her statements or the issue overall. Due to XXXX XXXX failure to address the issue at hand, I remained unclear of whether I would be receiving a deferral or if the offer was rescinded. The same day, I sent an email re-explaining my confusion and asking for clarification, also informing XXXX XXXX that her email was out of line and unprofessional. Again, XXXX XXXX replied in an unprofessional manner, continuing to make my request a personal matter, making personal attacks and failing to give me clarity. She, again, failed to address the reason why I contacted her which was to seek relief until I began earning an income again. In my final email to XXXX XXXX on XX/XX/2021, I reiterated my point of confusion, pointing to the clear discrepancies of her statements. At this point, I realized that I would not be receiving clarity or a resolution as XXXX XXXX purposely sought to confuse and obstruct my request.
02/07/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11530	Web
After months in mandatory settlement conference, we received a trial modification agreement from XXXX XXXX, XXXX XXXX XXXX XXXX, owner of loan serviced by SN Servicing. The bank agreed to this trial modification at the settlement conference on XX/XX/XXXX and then again re-confirmed all details of trial modification requirements at settlement conference with court on XX/XX/XXXX. We have fully complied, paid agreed amount, the bank attorney and contract clearly states that bank demanded to escrow for taxes and forced place insurance, and we paid that extra money. BUT now attorney for XXXX XXXX is saying they will not pay the taxes, but still want us to pay them the funds for the taxes, and that we are required to pay the taxes directly to the country, in addition to paying them monthly for the taxes, or else they will put our house up for auction again. We have full complied, attorneys for XXXX XXXX took four weeks to get the agreed trail modification sent to us, despited the fact that all the details were agreed on XX/XX/XXXX, we only got final contract on XX/XX/XXXX, after several were sent with basic mistakes. We are in full compliance with trial modification contract we have made offers of partial cash offers, which have not been relayed by servicer to XXXX XXXX, they are now threatening to auction our home again, despited fact that we are fully compliant and paying them tax, the county taxes are not late as they have not paid them. When were were in foreclosure and they put our house up for auction last year, they apparently were not paying taxes, though they had filed with court to well our home. They wanted to sell our house, but did not wish to pay taxes. They never advised us they stopped paying taxes. In summary, we are paying taxes to them for escrow in our trail modifcication contract, which they requested, and is clearly stated in their contract, but they are not paying the country the taxes, and threatening to sell our home again, if we don't double-pay taxes. WE HAVE ASKED ATTORNEY SEVERAL TIMES FOR CLARITY ON ESCROW AMOUNT AND TAXES, AND WE ALSO HAVE ASKED WHY PARTIAL CASH OFFER WAS REJECTED. OR IF XXXX XXXX OWNER OF LOAN REVIEWED ALL APPRAISALS AND BOUNDARY DISPUTE LEGAL DOCUMENTS.
08/26/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 305XX	Web
My mortgage was sold on XX/XX/XXXX. I had just finished a modification and it was converted to a permanent modification however I had not received paperwork in the mail because my 3rd trial payment was XX/XX/XXXX. No one ever notified me and informed me my loan was transferred. Most of XXXX I was very ill. I am mentally and physically XXXX after a car accident in XXXX. I never expected to have to wonder where my next meal was coming from. I had attended and have to college degrees. one is XXXX XXXX and an XXXX XXXX. XXXX my prior servicer didn't ach my payment so I called and they informed me they no longer serviced my loan. I called SN servicing and yes they said they were my new servicer but I had a problem sending money to someone based on a phone call. I felt I should have been informed and turns out they had 15 days they just did not do it. I had to do a modification because we got behind when my nephew was murdered, like I said XXXX and XXXX were times we didn't live we were surviving. According to XXXX my first payment was XXXX XXXX so they had time to get everyones paperwork. Come the XXXX I called to pay and they would not accept payment. We had already been having problems because they told me I was denied my modification even though I mailed them the trial and proof of all payments. They said either way because I didn't pay XXXX and XXXX I breached my contract. I filed ch XXXX to protect my home and I was unprepared for any of this. My husband had to leave his job from XXXX to XXXX to be with me XXXX hours a day because my XXXX were out of control and happening daily. In my accident I broke my XXXX and suffered a XXXX XXXX XXXX which left me with little XXXX XXXX XXXX and XXXX but I am so blessed I can walk talk and live a normal life. I can't handle stress and I was aready losing my mind. I raised my nephew. Long story shorter they cut me off from webpage and denied my payments to put me in default. I transferred to them current but they claim I am around XXXX behind on my mortgage and refuse to show me the numbers. I was denied because of a ch XXXX discharge. I filed ch XXXX. need help
02/03/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 91344	Web
Security national servicing Corp. Has proceeded to Illegal foreclosure. SNSC is debt collectors as specified in disclosure of " notice of transfer of mortgage servicer '' effective XX/XX/XXXX. But intentionally misrepresent and threatened foreclosure lawsuit on " time barred debt '' as noted on transfer notification as loan matured on XX/XX/XXXX. Not a single notorized or executed by bank 'lender officer. Trustee is also a debt collector. And failed to even acknowledge the qualified written request. Multiple " beneficiaries '' in attempt to confuse and lacking any transparency. " XXXX default services '' trustee sale ''. There's not a single " executed notorized document that reflects legal standing authorized to foreclose. XXXX is also debt collectors conspired with SNSC for illegal Foreclosure and false statement. Now I'm being evicted out of my home. I've been on XXXX since XXXX. As stated my new " lender '' creditor is " XXXX bank as trustee for XXXX XXXX series trust. Which is registered with SEC and then to illegally foreclose on my property which is securities fraud. XXXX dated XXXX. Still yet to be acknowledged. And collections without a license. Knowing my limited XXXX income and taking the corona virus as an opportunity to make financial gain by falsely recording of illegal documents. Third co-CONSPIRATOR is " XXXX XXXX XXXX '' whom issued me the title insurance '' on an predatory loan dated XX/XX/XXXX ) no trustee as stated on policy. And the alleged " deed of trust '' is completely documentation fraud. Please see ( page numbers located along with my initials ) and my signature is added on completely separate page with only my signature. Which was never signed on any deed of trust. My original loan was from XXXX XXXX. ( I have disclosure from thwm stating my mortgage would not be transferred dated XX/XX/XXXX ) bait and switch. And there is no chain of title that could authenticate and authorize this illegal collections ans foreclosure. I'm being evicted ( please advise how to proceed ) and needless to say my health condition is taking it's toll. Please help. Thank you.
09/24/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 365XX	Web
On XX/XX/XXXX I lost my husband XXXX XXXX XXXX. I notified the mortgage company, SN Servicing of his death. His was the only name on the mortgage. I wanted to take over the loan and get a loan modification since I would no longer have his income to pay. I don't recall the date I contacted them, but spoke to a gentleman named XXXX who assured me he would get the paperwork I needed to me. My husband and I were in bankruptcy at the time of his death. I did not receive any paperwork. I continued to pay the mortgage as best I could while dealing with social security on another matter that affected my finances. The mortgage company contacted the bankruptcy attorney and stated that I had not been making payments. I pulled the online documentation showing that I had made the payments in question. In XXXX of XXXX, I voluntarily dismissed the bankruptcy case to try and get a favorable deal with the mortgage company or find another company. I was contacted by XXXX XXXX from SN Servicing. She did send me the paperwork that was needed to modify and take over the loan. She stated in our phone conversation that the company would not reduce the interest of 12.6 % on the mortgage. I completed all of the paperwork and returned it to the company. I was sent an agreement that increased my payment from {$1100.00} a month to {$1500.00} a month. This agreement included my huband 's ex-wife 's name. I signed the agreement for myself and notified them that she had signed a quitclaim deed when they divorced. I was contacted and told I had to send a copy of the quitclaim deed. I did so and made the {$2000.00} good faith payment. I have attempted to make the payment and was told that I had missed my 1st payment to them. I have a son who receives a survivor benefit from his father 's death, but he will turn XXXX in four months and graduate XXXX school in 7 months. This income will no longer be a part of the money we have to pay bills. I am struggling to pay bills because of this payment plan. I have attempted to get a mortgage with another company, but am unable to do so because of late or missed payments to SN Servicing.
01/29/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02124	Web
SN Servicing Loan No. XXXX My name is XXXX XXXX. From XXXX to XXXX, my mother, XXXX XXXX, tried desperately to stop the foreclosure process on her home with SN 's prior mortgage company and was repeatedly lied to and was told the application documentation had been lost, misplaced or never received even though it had. Eventually she realized her efforts were futile, became XXXX XXXX from her experience with XXXX XXXX and XXXX XXXX from a XXXX. She was rushed to XXXX XXXX Hospital diagnosed with XXXX, and died alone in her hospital bed at the age of XXXX with no one by her side. Her last wish, hospital staff told me later, was to save her home for her children and grand children so they would have a place to live when she died. After my mother died, all my brothers and sisters were grief stricken and left Massachusetts for other states to live with relatives to try to forget what XXXX XXXX had done to our mother. I was left as the successor representative to her estate, with her house now in foreclosure with SN Servicing. I informed SN Servicing that I would assume the mortgage and submitted my loan modification application with all required documentation to SN in XX/XX/XXXX. Despite having received my application three months ago, SN Servicing scheduled a foreclosure sale on my home and is now refusing to give me any updates on the status of my loan modification application or to reduce to the loan to its XXXX fair market value. They are stonewalling me the same way XXXX XXXX did with my mother for five years before she died, and has now scheduled a foreclosure on my house on XX/XX/XXXX. Please contact SN Servicing and help me get my loan modification application approved under the XXXX " Pick-a-Pay '' settlement agreement and have SN reduce the loan to {$200000.00} from its current balance of {$420000.00} as it was required to do in XXXX. I only have two weeks before the foreclosure auction. I want desperately to save my mothers home so that her grandchild, my son, can have a place to call home when he grows up. XXXX XXXX XXXX XXXX XXXX. XXXX, MA XXXX SN Servicing Loan No. XXXX
04/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29485	Web
Fell behind in my mortgage and was facing foreclosure when I got help in paying all back payments, fines and fees. the mortgage was purchased by SN servicing corporation from XXXX. I thought I was starting with a clean slate but when I got first statement there was an extra $ 1000+ attached in what they described as lawyer and foreclosure fees that had been paid. they said that they weren't included in the payoff even though they had plenty of time to do so, Then the next month they hit me with a {$350.00} legal assessment fee. For what? I have no idea. They also raised my mortgage over {$200.00} citing low escrow. I paid XXXX mortgage by sending money order because I was locked out of there portal to pay. talked to an XXXX XXXX who reassured me that he would fix that, at that time I made the XXXX payment over the phone using my XXXX account which is backed by XXXX.i thought that was it. a few weeks later I noticed that the money was still in account. called them up and talked to a man that said you can not use XXXX to pay mortgage. I told him that I told XXXX it was a XXXX account and he had not informed me, so I then got on their portal and paid from my normal bank, once again a few weeks later I notice money is in there. I emailed XXXX and he informed me that my account was non existent. I double checked my account and routing numbers and they are correct. I also found out you can pay with XXXX they lied. I contacted his supervisor and I am still waiting to hear from him. during this time they have assessed me late fee charges, returned check fees and I assume my credit score will take a hit for late payments. the only way to pay mortgage through them is with bank account on their web site. they don't accept debit cards. It is like they are setting you up to fail.I have had nothing but trouble since the moment they took over my loan. they are not a mortgage company and should stop trying to be XXXX. I know this is just going to continue over and over again. This has caused unneeded stress in my life. I finally get my mortgage straightened out and then I have to deal with their XXXX.
02/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20003	Web
Mortgage Concern : I received a mortgage in XXXX of XXXX from XXXX XXXX to purchase a condoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. After purchase, I was immediately transferred to XXXX XXXX XXXX XXXX, a debt collector. I paid my mortgage every month. After about a year and without written notification, I was transferred to XXXX XXXX. I can not recall how I found out, but eventually had to set up an account with XXXX XXXX. Again, after a year, I started receiving calls from XXXX XXXX XXXX. I thought it was a mistake, but eventually tried to call them back. I would spend XXXX min. Or more on hold, and once I would inquire about the phone call, I was informed I would have to be transferred to another representative due to loan status. I did not understand this and kept paying my mortgage to XXXX XXXX. In a short while, XXXX XXXX returned my mortgage, and when I called, I was informed I had been transferred back to Rushmore. After an intensely frustrating time on hold and speaking with representatives, I was informed that both XXXX XXXX and XXXX sent goodbye and welcome packets to me at my condo address. I received neither of these. I set up another account with XXXX and began paying my mortgage again. At this time I was informed my property tax had been reassessed by XXXX XXXX and my tax portion of my mortgage had increased by almost {$50.00} per month. Again, no notice of reassessment and no idea how they came to this amount. Then I received a statement from XXXX Loans ( which I think is XXXX ) XXXX XX/XX/XXXX, and now my fixed mortgage has not only increased through taxes, there are fees and charges of {$33.00}. However, on XX/XX/XXXX, I received notice that my mortgage was transferred to SN Servicing Corporation, who informed me that they were my new mortgage company and they needed proof of insurance. Who is paying my insurance and isnt that something that the mortgage transfer should handle. Suffice to say, I believe this to be an effort to take advantage of consumers, specifically, consumers with fewer means to defend themselves. Please help the consumer,
05/04/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20020	Web
After my bankruptcy terms had been fulfilled, I received assistance from the DC Homeowner Assistance Fund ( DCHAF ) to bring my mortgage current with SN Servicing Corp ( SNSC ). During my bankruptcy process SNSC disabled my online account access and refused to accept any payments from me. On XX/XX/2023, my first resumed payment was due, and my online access had been restored after SNSC received payment from DCHAF. According to my online statement, the amount due on XX/XX/2023 was {$2100.00}, and I paid {$2100.00} on/around XX/XX/XXXX. SNSC refused to apply that money to my XXXX payment. The account rep said it was a partial payment because the amount due was {$2100.00}. When I questioned why that amount is not reflected on my XXXX statement, I did not get a satisfactory response. Instead, on XX/XX/XXXX, another account statement was manufactured and added to my account, showing my account being past due for XXXX in the amount of {$2100.00}. The amount of {$2100.00} was only communicated to me via email message, but I never received a statement saying the amount due for XX/XX/2023 was {$2100.00}. After sending several emails and making some phone calls to SNSC, I realized no one could/would adequately explain what was going on with my account. So, I reluctantly paid an additional {$36.00} to keep my account from going into a late status. Yet, I was still charged a late fee. I asked for an updated amortization schedule, but was told SNSC does not supply that information. I asked how do I make extra principal payments, and I'm still waiting on an answer. I've also asked for a payoff statement that is good for 60 and 90 days, and I'm still waiting to receive that. After everything I've been through regarding my home, I feel like I am the victim of some deceptive and fraudulent practices by SN Servicing Corp. I would like a refund or credit for the {$36.00} that I paid in XXXX, and I would like the late fee applied for XX/XX/2023 to be withdrawn/waived. I would also like someone to look into the overall mortgage servicing practices of SNSC.
11/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY XXXXX	Web
SN SERVICING FALSELY RETURNED THIS COMPLAINT TO CFPB AS " DUPLICATE '', AS ADVISED BY CFPB, RESUBMITTING WITH HEADER, FOR RECORD, NOTING THAT SN SERVICING FALSELY RESPONDED AS " DUPLICATE '' WHEN OPERATING FACTS ARE DIFFERENT. There is a trust XXXX XXXX XXXX XXXX in Arizona that filed a foreclosure Judgement sale on our home, claiming they own our mortgage debt. We were advised by the prior owner of this debt, XXXX XXXX XXXX, that they sold the debt to another trust in XX/XX/2018. In any case, we were never notified of assignment, sale, transfer of this debt. Then the prior owner, XXXX XXXX, XXXX in XX/XX/2018, filed a foreclosure judgement sale - despite the fact that XXXX XXXX XXXX XXXX says they owned the debt in XX/XX/2018, but the court action was filed in XX/XX/2018 by XXXX XXXX? In addition, we were in the midst of a loan modification applicantIon with the prior owners of the loan, XXXX XXXX, who chose us for their RMBS agreement, and they filed foreclosure in the midst of our application, and changed the terms of the amount within two weeks of the offer. Also, the current " owner '' XXXX XXXX XXXX XXXX used false figures in their judgement foreclosure sale, adding on past debt already forgiven in writing by original owner XXXX. XXXX XXXX XXXX XXXX is attempting to sell our home based on false figures, and will not proved a qualified written request of figures, and denied our most recent modifcation application, based on their false assertion that we did not supply documents, which they never requested. We currently have a FOIA request to find out if XXXX XXXX XXXX XXXX actually owns the debt, and how and when they procured it, as their date of acquisition differs enormously from that of XXXX XXXX ' letter. In addition, we never received written notice of transfer of debt, and, as noted, XXXX XXXX filed foreclosure of Judgement and Sale, a year after they say they sold the debt? and now XXXX XXXX XXXX XXXX, who was not named as the party XXXX sold our debt to, is enforcing the foreclosure sale judgment?
09/26/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 93306	Web
I reside at XXXX XXXX XXXX XXXX XXXX Ca XXXX We have 2 mortgage one we stop paying when the value of the house came down since my partner has passed away the title of the house was granted to me by the court, the loan is under my mother in-law but she has never Paid in ti=o the house, Now that the second loan has reached out to me I have been trying to fix the matter so my self and my XXXX children don't loose the house. The company at one time was XXXX XXXX that company has closed the account and has handed it over to SN Servicing Corporation I have been in contact with a lady by the name XXXX XXXX Account Representative I have explain to her that now I am on title of the house and I want to get the house out of default she has asked me to make a good faith payment non th e amount of {$1000.00} and {$370.00} a month for the next 6 month at that point I tried to get the money but was not able to asked for if the could give me a month to get the money. Then I was told that the amount we spoke of was no longer accepted now it hat to be {$14000.00} and a monthly payment of {$400.00} I only had {$1200.00} and I mailed it out with a note that the {$1200.00} was all I had and that I would make the payment of {$400.00}. Since then they have cashed the check and now that I have asked her to give me a statement of the payment I made Mrs XXXX says now the investors don't want the payment that I send. Well they cashed the check and now she says they don't want it I was told that this is a Purchase Money second loan and that I would be able one to get it taken off or come to a agreement with them and that is what I am trying I at no given time have told them I don't want to pay much less loos se the house my children have lost there mother and this house has sentimental value to them and I am trying really hard to keep the house not only because we bought the house back in XX/XX/2006but for my kids memory in this house I am reaching out to you for help in ny way your company can Thank you XXXX XXXX
08/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 325XX	Web
-New Complaint Process Relating to Response-SN Servicing Corporation- The steps the corporation has taken or are taking moving forward to address complaint, XXXX : It appears that SN Servicing Corporation has and or will be taking to address this complaint thus for has been discouraging, unprofessional, and illegal. Therefore, I am submitting another complaint currently. Since XX/XX/2019 when the first complaint was submitted to XX/XX/2019, I have received treating and suspicious phone calls and voicemails to my mobile device, main number and my XXXX recorded line, which I only gave to the Asset Manager of the loan. I have received suspicious mailings to my home address. Also shockingly a few mailings from SN Servicing Corporation ; with incorrect documentations concerning the load, unofficial letters of the companys foreclosure specialist, escalation of monthly statements ( monthly statements received only a week apart ), with incorrect transactions printed, and a returned monthly payment which should have been posted to the loan for XX/XX/2019. I will submit supporting document for this complaint this week. On each letter it states that should I have any questions call the Asset Manager assigned to the account. The last phone contact I had with the Asset Manager was unproductive a few times the individual was communicating in a yelling tone. I was told we could not discuss anything further unless we discuss including the XX/XX/2019 payment to be made to SN Servicing Corporation. This home servicing corporation did have access to the loan until late XX/XX/2019. XX/XX/2019, I received the documented time of transfer which is XX/XX/2019. I received an account number on XX/XX/2019 and was told over the phone for a SNSC customer service department that I would not be penalized for a late payment at this time and that SN Servicing Corporation must secure the complete file from the previous mortgage servicer and an account number had to be applied to the account
10/12/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	TX 77079	Web
During COVID, we had very little to no income. We discussed this on repeated occasions to our prior mortgage company ( XXXX XXXX and/or XXXX ) and to the current, SN Servicing Company . Our prior mortgage company had mentioned that we could have our payments go to the back of the loan, which we were in the process of that ; however, without any notice, our loan was sold to SN Servicing Company. No explanation about our account and/or the discussions that we had been discussing, SN Servicing claimed that they knew nothing about it. NOTE : We were paying our mortgage at the time when they sold us. One day I was paying the old company, then without any notice, they deactivated us and we were left on our own trying to find out what was going on. We did not want to be delinquent. Some time later ( a few months ), we finally received communications from SN Servicing saying that they had taken over the loan and that we owed them approximately $ XXXX. They had some rude guy on our account who demanded that we pay it immediately and claimed that since he had no knowledge of our previous communications with our previous lender ; it was irrelevant to him. He even hung up on us a few times alleging on the call that we were getting " abusive '' further delaying setting up payments ; getting us activated on their system ; etc. Although, we finally did get set up eventually. But SNSC dragged in responding to repeated requests. In XXXX this year, we finally spoke to XXXX XXXX. We started over and explained everything all over again for the millionth time and last we left it was she was going to discuss our issue internally along with she sent us information to apply for assistance. When my husband did the application, he did not do it correctly and we were denied. He reached back out to XXXX to tell her and asked what needed to be done to correct it and redo the application. To date, she has not responded to him despite NUMEROUS messages to no avail.
04/19/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21206	Web
The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. 2 ) SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. 3 ) SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. 4 ) Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our application for offer to purchase. 5 ) The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said XXXX application. 6 ) SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. 7 ) SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules effective XX/XX/XXXX.
07/22/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 91403	Web
This is a complaint against SN Serving corporation. I was previously serviced by XXXX XXXX XXXXs, During my last few months with American Portfolio i had requested for my PMI to be removed, XXXX XXXX asked me to pay for an appraisal to be done and if my appraisal came back over {$610000.00} i would qualify to have my PMI removed. The appraisal was done through XXXX XXXX Mortgages on XXXX, the appraisal came back at {$720000.00}. Right when XXXX XXXX were in the process of removing my PMI, my lone was bright by a new serving company SN Serving Corporation. I contact SN Serving by phone and explained the situation, they went on to say that if i can provide the appraisal and a letter from XXXX XXXX stating that PMI can be removed based on current market value then they would honor this and remove the PMI. On XXXX i sent SN Serving Corporation the appraisal and letter from my old serving company stating that PMI can be removed bested on current market value and if my appraisal came back over {$610000.00} i would qualify to have it removed. Since sending them this information they have been almost impossible to reach, I have since received a letter saying they don't remove PMI basted on current market value, Even though on the phone they said they would if i can provide the appraisal and letters and they also said on XXXX they would re look at this yet still they will not resolve this issue. Its not my flute they brought my loan mid process of PMI removal being completed with my older lender, I have been told i qualify to have it removed and it should be granted. They have not tried in anyway to resolve this issue which was in the process of happening when they brought my lone, This has been going on for months now and I need this to be resolved. I have never heard of any mortgage leaning refusing to remove PMI based on current market value, they need to honor my PMI removal as it was in process when they brought my lone.
10/24/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 850XX	Web
My husband and I purchased a home in XXXX through XXXX XXXX XXXX. Two years later, we were very close to losing our home because of the recession and being in a compromised financial situation. We had an 80/20 loan and the primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, XXXX XXXX XXXX which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, XXXX XXXX XXXX sent us a XXXX balance notice and we thought everything was written off due to the predatory lending that XXXX and XXXX XXXX XXXX were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency SN Servicing XXXX Trust has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX XXXX Office. I feel hopeless. I thought that debt was taken care of by XXXX XXXX XXXX. I have called XXXX XXXX XXXX and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX law stating we were part of an appraisal class action lawsuit against XXXX XXXX XXXX. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX website and they have 13 complaints against them. I am concerned with the validity of this debt.
06/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01902	Web
My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, MA. In XXXX, XXXX XXXX acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX continued to charge me anyway for the next three years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX. In XXXX, by mortgage loan was transferred from XXXX to SN Corporation. Like XXXX, XXXX XXXX also sent me a bill for {$1200.00} for " XXXX XXXX '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next three years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX also failed to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the XXXX XXXX XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.
11/01/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78504	Web
I originated my loan last XXXX XXXX, XXXX from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. Due to my difficulties I refinanced with XXXX XXXX XXXX XXXX ( merger of XXXX ) refinanced my loan home yet through long they claimed that the worth of my house was lower than what I owed. My motive of why I would like to refinance is to lower my monthly mortgage. XXXX had signed me note refinance with 7.370 % rate. XXXX XXXX XXXX XXXX, always misrepresenting their Company when they clearly stated that they were merger with XXXX and they confused me always to whom or who was holding my notes and to whom I have to communicate regarding for my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping the government Loan Modification benefits and incentives for homeowners like us and their mortgage servicing doesnt want to accept my request for Loan Modification. XXXX XXXX, XXXX, I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to XXXX XXXX XXXX XXXX faithfully. I am denying allegation of XXXX XXXX XXXX XXXX that I failed to remit payments as of XXXX, XXXX and after XXXX XXXX, XXXX which evidence of history payment from XXXX XXXX XXXX XXXX that I can enclose in the future. I had requested for the XXXXederal Governments Home Affordable Modification Program, that made available for home owners. I had already communicated and sent requirements to XXXX XXXX XXXX XXXX yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, XXXX and not after XXXX XXXX. XXXX XXXX XXXX XXXX have not dealt to me in good faith.
04/25/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR 97211	Web
Through my lender I was approved for a trial modification and completed it just prior to Covid-19 shutdown. I didn't sign the final modification paperwork because of knowing that due to the pandemic I wouldn't be able to make the payments. My mortgage holder assured me that I wouldn't be at risk of foreclosure due to the federal safeguards put in place for homeowners. I reached out and was approved for a program that would pay my past due and 6 months on future payments. That program reached out to my mortgage servicer but they said I needed to reapply for a new modification in order to have an amount given to bring current. It took over 8 months of back and forth of submitting paper and being told different items were needed to finally receive a new modification. The program had closed without any notification and when contacted they advised me that although I signed the loan documents ( forgivable ) they sent the funds back to the Treasury department. My new modification is requiring a {$20000.00} good faith payment which coincidentally is the amount that I was guaranteed by the program. I reached out to my lender/servicer and let them know that I no longer have that grant and asked if they could decrease the good faith payment and was told No. My lender has blocked any access to my being able to make any online payments. I requested a copy of my most recent statement of which it doesn't reflect any payments I made on the prior trial modification. I have since tried applying for a new program and am awaiting notification of acceptance. Below are the groups/companies/agencies I have worked with. Mortgage company-SN Servicing corporationXXXX XXXX XXXX XXXX, XXXX CA. OHSI-Oregon Homeownership Stabilization initiative ( was approved, signed promissory note, funds never distributed ) OHAF-Oregon Homeowner Assistance Fund-submitted application for help .
01/22/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91915	Web	Older American
In early XXXX I was diagnosed with XXXX and was under medical care for 2 to 3 years ; I fell behind on my mortgage payment. Fast forward to today, thankfully I am better and recovered from my XXXX and am financial stable again. I have sent in at least 3 hardship packages over the past year or two between the two servicer 's XXXX XXXX and SN Servicing Corporation. XXXX XXXX offered me a loan modification, and when I accepted the loan modification my loan servicing company was changed, and it went to SN Servicing Corporation. SNSC did not honor the loan modification that was offered to me by XXXX XXXX, this happened early XXXX. Since XX/XX/XXXX I have sent 3 requests to SNSC and my request has been denied every time for -Investor declined loan modification : we are unable to offer you a modification because : Chapter XXXX Discharge where the debt has not been reaffirmed. I can afford to make my mortgage payment now that my hardship is over and still have my life. I have raised my children in this home since XXXX. I was able to get a loan modification for my rental property, and that loan was in the same Chapter XXXX. It is not clear as to why SNSC can not offer me a loan modification ; however they did offer me a collateral agreement with a {$35000.00} good faith payment to pay in a short 3 days of time. I asked for more time and it was denied by the serving company representative managing my loan. Although I am struggling overall, I am still trying to come up with the $ XXXX and not given enough time I am afraid that my home will be foreclosed on me. Given only 3 days time to come up with $ XXXX is harsh and unrealistic. Besides that, I feel the investor on this loan can extend to a loan modification now that I am financially and healthy stable. Also, I believe there is a violation of dual tracking throughout this whole process.
05/25/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	SC XXXXX	Web	Servicemember
SN Servicing Corporation purchased my loan located at XXXX XXXX XXXX XXXX CA XXXX Back on XX/XX/2019 I received notice of foreclosure by mail and then my attorney was alerted. Once appearing in court with counsel it was proven Service Corporation had not logged all payments that are sent by my bank monthly. The payments had to be traced and later applied to my account. that were missing from my mortgage account. Once showing proof of payment to the judge and sharing hardships revamping from the bankruptcy the case was dismissed. After dismissal I noticed an attorney fee of {$1200.00} and legal expense recovery of XXXX on my billing statement. Due to Service Corporation negligence that would make me as the consumer not responsible for those additional fees and I request those fees be removed from my account. Moving forward I have attempted several times to make contact with my account manager XXXX XXXX and she does not respond to emails, calls, or customer rep messages. To make matters worse the amounts are appearing as amount due under the mortgage which appears I carry over a mortgage balance every month. I also have bought to Service Corporation attention that I have been getting late fees for years and I pay on time monthly before the XXXX of every month. I am owed a refund however when trying to address the issue I get no response by phone, email, or mail. My due date is the XXXX of every month and adjusts automatically through my bank if the payment falls on a holiday. I have paid my mortgage by autopay for many years to keep account of all bills paid. At this time, I see a XXXX late fees in which I am never late. For the last few months I've received interest increases that are unexplained due to the terms of my original loan. This is a predatory act and I would like assistance with resolution. Thanks in advance.
04/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 45240	Web	Older American
I applied for assistance thru the Ohio XXXX XXXX XXXX This was on XX/XX/XXXX. Per the Ohio XXXX XXXXXXXX the US Treasury sent a file on XX/XX/XXXX to my mortgage company which is the SN Servicing. To date nothing has been done. The Ohio XXXX website still shows " waiting for servicer reply '' I have called several times to S & N customer service, and they don't seem to know what HAF is. The last call I made I was met with hostility from my account XXXX. She stated my file is being worked on and reminded me that I have already called about the matter that same week. I have been told by a XXXX XXXX that someone named XXXX did not receive the file and that " XXXX '' will reach out to her contact at the Ohio XXXXXXXX XXXX XXXXXXXX. I applied for assistance to pay my arrears which now is 3 months. I am trying to proactive but to no avail. I did not choose this company they bought my loan. If I don't get resolve, I am reaching out to my Legislator & states Attorney General 's office. I reached out to the Ohio XXXX and they advised that they sent the file. See emailXXXX Hello, Thank you for reaching out. I do apologize that theyre saying that we have not sent anything. I can assure you that we have, and they have assigned them all to go to one person directly so the customer service team or other loan officers will not have any knowledge of what we send unfortunately since the bank has assigned this individual. They do have to approve before any funds can be released. They are not using a 3rd party for XXXX issues as the person assigned is an employee in the bank itself. Thank you, For your protection, please do not respond to this email message with attachments or information that includes personal confidential information. XXXX XXXX / XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX XXXX
12/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21207	Web
My mortgage was transfer from XXXX to SN Servicing on or around XXXX XXXX i am currently in a bankrucpty Chapter XXXX and have been payng montly payments every month. In XXXX I have received statements stating I owe of {$14000.00}. I have contacted SN Servings many of times in reference to this matter. See time- line below and what was discuss : XX/XX/XXXX, XXXX Receive a Post-Petition statement showing a balance around XXXX. I called spoke to Representative in reference to post petition she said my loan was just transfer over and because of COVID it would take some time to receive a correct statement. Also, someone from the bankruptcy department will return my call. XX/XX/XXXX, XXXX I contacted SN, I spoke with informed Rep. I called on XX/XX/XXXX and no one never returned my called. I was transferred to bankruptcy XXXX. XXXX XXXX left a detailed message in reference to this matter. XX/XX/XXXX, XXXX Received a call from XXXX XXXX XXXX I informed her I made every payment to XXXXXX/XX/XXXX and I can prove every payment was made. She said it was not necessary to prove my payments at that time that she was going to do a reconciliation of my account and get back to me two weeks. XXXX XXXX I called SN spoke with XXXX XXXX informing her I spoke with XX/XX/XXXX in reference to the reconciliation. She did see anything in computer and again XXXX is my representative and she will get back to me. On XX/XX/XXXX, I received an Affidavit of Default for the month of XXXX, XXXX, and XX/XX/XXXX. Below are the dates and the amount of payments made to Sn Servicing and was debit from my bank account ; XX/XX/XXXX SN SERVICING DEBIT XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00}
04/27/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NY 11209	Web
SN Servicing Corporation is a debt collector who must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired. In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. The last payment made on the subject account according to SN Servicings internal records was XX/XX/XXXX. SN Servicing became the servicer of the subject account on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX became involved via Assignment of Mortgage XX/XX/XXXX. The New York XXXX XXXX XXXX XXXX XXXX states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing Corporation is required to inform me that the statute of limitations has expired. The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ). SN Servicing Corporation has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York XXXX XXXXXXXX XXXX XXXX debt collection rule 23 NYCRR 1, Section 1.3XXXX, despite many written requests.
09/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	ME 044XX	Web
SN Servicing has been mailing all of my mortgage billing statements to my ex-husband 's address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead of the property address where I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called them and sent them a copy of my divorce decree and they still have not fixed this issue. My ex-husband throws all the statements away. I have tried to log into my online account and my access is denied due to me being behind on my mortgage. When I call for them send me my mortgage billing statements they email me a link to my online account which my access is denied due to me being behind on my mortgage. I called on XX/XX/2023 and was told that they would fix the mailing issue and mail me a third party authorization for my housing counselor, but this never occurred. Again I called them on XX/XX/XXXX and spoke to a XXXX who was rude and spoke over me so that I could not get my questions answered. She stated that I could not have access to my online account as I am behind on my mortgage, she did email me a recent statement and a third party authorization, but told me in the email that the reason I was not receiving mortgage billing statements was due to me signing up for online statements, which again my access was denied to my online account due to being behind on my mortgage. She put us in a que to speak to another person and we ended up with a man who transferred us into another que to get assistance to log into my online account that I do not have access to due to being behind on my mortgage. I fear this will place me in foreclosure as I am trying to work this out, but how can I if I do not have access to my account either by mail or online and when calling the servicer they are rude and not helpful, just accusatory as I am behind on my mortgage.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43614	Web
I was a co-signer on a business loan where this former partner filed personal bankruptcy and XXXX XXXX tried to hold me responsible for her loan where at closing they shared they would never hold me personally accountable and only our company. Upon reneging on their word at XXXX XXXX I tried to negotiate a XX/XX/XXXX settlement which was overly generous on my behalf based on their lie, of which they laughed at me. I proceeded them to protect my assets and position which ended with XXXX XXXX getting 100 % of nothing with a fully XXXX bankruptcy XXXX. I was given possession of a residential property for me to close a loan XX/XX/XXXX where we discovered the incompetents at XXXX XXXX had illegally and incompetently re-filed a lien on said property XX/XX/XXXX. My fully XXXX bankruptcy from XX/XX/XXXX had to be reopened to allow the judge in XXXX XXXX, OH to fine XXXX XXXX and have them remove this illegal rifling. XXXX XXXX Mortgage is who closed my loan XX/XX/XXXX and it was purchased XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not reporting my loan to the three CRA 's because they incorrectly read the legal documents explained above and consider me a new bankruptcy which is obviously inaccurate. Their fear if that they will get fine $ XXXX if they report my loan to the three CRA 's which again they should be more fearful of coyotes and wolves flying and attacking all humans which is obviously too an unfounded inaccurate fear. My counsel XXXX XXXX has been told to me by XXXX Servicing that their counsel XXXX XXXX would contact him to allow the legal experts to clear this simple atter yet he won't speak to my counsel XXXX XXXX. The filings are found in XXXX XXXX, OH under my name and information. I simply want my home loan to be reported to drive my credit scores accordingly. XXXX XXXX
01/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 07666	Web
I learned that when I first received my loan I was called a week after and told by the agent that he was sorry that he put me in a bad loan and after 6-8 months I should refinance my loan as quick as possible. With all of that said and the attorney that I was working with also said it after the fact that it was n't any good. I have been trying to get a modification on my loan for the longest. I have went to several different people that said they could help me withe modification but only took my money and did nothing. I have also went to attorneys to seek legal help and they too only took my money. I have been seeking help for some time and every time some one tells me that the bank is going to give you the modification they turn it over to another server.My loan has been turned over to about XXXX different servers that at one point has said yes and then given it to another server to say no. And from my understanding no one is supposed to be paying for a loan modification but yet I have been paying thru the nose. The attorney that I have now has put me in a chapter XXXX and I have been paying the trustee and was paying good faith payments and the attorney said that I have a modification, only to find out a week later that it was turned over to another server and they said no that they will not give me the modification. He then told me that maybe I was XXXX XXXX and the banks can do whatever they wanted to do! On top of the trustee paying him {$18000.00} to do a loan modification. I really need someone to help me with this. How is it that the trustee is paying him all of this money to get a modification? Plus they want me to pay them XXXX for when I stop paying when they transferred the loan to the other server and {$14000.00} for the taxes that are due right now.
12/17/2018	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02130	Web
Thank you for taking the time to hear our concerns. This is in regards to an elderly gentleman who has nothing. He is trying to sell his house and has NO equity, yet the servicer will not review him for any type of workout. We are having an issue with the Servicer of this mortgage. This house was listed prior to us coming into the picture and no offers were presented. It is a short sale. The list price of XXXX was far too high for the amount of work needed, but we came in to work with this gentleman, sent in a new listing agent and got an offer. We sent in the offer on XX/XX/2018. On XX/XX/XXXX, we were informed that the Investor was countering the Buyer at the amount of {$710000.00} which is the remaining balance of the loan. We sent SN Servicing Corporation several documents from the Listing Agent who included a letter explaining factors affecting the value of the property. We also sent them a copy of the MLS Sheet that detailed the listing history of the house. The house was initially listed at {$670000.00} with another Listing Agent earlier this year. It was on the market for 60 days and garnered NO OFFERS. Bare in mind that the first list price of {$670000.00} is less than the {$710000.00} counter and value that SN Servicing is insisting that the property is worth. The current Listing agent, XXXX XXXX, re-listed the house at {$270000.00} and even then, only one serious offer was garnered out of the house being on the market. SN Servicing corp wants the full value of the loan. Mr. XXXX does not have this money. He was not even given any options for loss mitigation. He has tried to work with SN Servicing for quite some time and they continue to just say no, that they want the full amount of the loan for the short sale and hell never get that.
10/24/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33130	Web
I have received multiple letters XXXX referencing an account number XXXX ) from SN Servicing Corporation regarding a property they claim I own. I have NO knowledge of this property and have NEVER done business with this company, SN Servicing Corporation nor the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX 2013, referenced in the letters. The multiple letters and statements claims a payment due of {$37000.00} and an outstanding principal of {$110000.00} with no supporting documentation or anything, just simply their " word '' of a mortgage loan owed. They claim I am 1465 days late on a mortgage that I never got and that if I do n't pay they will foreclose. What mortgage lender waits 4 years to foreclose on a property? NONE! Also, they send other letters claiming they are attempting to collect on a debt. So some letters state I am behind on a mortgage I never had and then other letters saying this is an attempt to collect on a debt. I have called multiple times and constantly transferred to XXXX XXXX XXXX whom is also listed in the multiple debt collection letters sent ) who never answers nor calls back regarding my multiple voicemails. I have also emailed multiple times to the ceo and to there customer service department and sent an overnight letter demanding they cease and desist on all contact and telling them I dispute this account as it is not mine. My multiple and varied inquiries into this Fraudulent Account are being ignored and there are no signed and notarized loan documents in my name bearing my signature. Therefore, I am contacting a lawyer as well as filing this complaint with Consumer Financial Protection Bureau against this company.
05/14/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08081	Web
I was in XXXX XXXX for approximately XXXX years as a result of me losing my job due to XXXX. I recently came out of Chapter XXXX due to the death of my son in XXXX of XXXX. I was on XXXX and was unable to make any payments during the past 6 months due to reduction in income. However I made my mortgage payment on time, but the mortgage company has me XXXX months behind post post petition, due to an internal process that is no fault of mines. The asked that I pay around XXXX a month for payments that appeared to never have been credited to my account. And they have been charging me late fees every month. I went in to my account today to ensure my banking information is correct and it states I have no access to my online account. I have not received any letters and/or statements from them indicating why I no longer have access to my account. You have to call this company multiple times for someone to answer and I have emails from employees stating the errors. At this point I am afraid to deal with them without any oversight legally. It doesn't appear they want to help anyone. As of now I have a XXXX XXXX XXXX child that my son left behind that I am now caring for and I recently went back to work. I would like assistance with obtaining a loan modification and not XXXX at a 5 % rate. Can someone please help me with speaking to someone at this company and also they need to explain why they don't send statements or letters to their customers. They placed home owners insurance on my house and I have home owners insurance. I happened to see if while I had online access. Now I don't know what they are doing and they could be further scamming me.
08/28/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20785	Web	Servicemember
On XX/XX/XXXX got laid off due to COVID 19.Reached out Servicing N Servicing Corp which is mortgage company and applied for COVID Hardship for mortgage. I filed for unemployment it took 4 mths before I received my unemployment. A month later did follow up with mortgage con they stated due to so many people being effect it might take up 2 mths before I get an answer. In XXXX that sent me a letter that I approved for 3 months deferment and then when XX/XX/XXXX I would have to pay those 3 months but from my understanding I thought the 3 months were to be added at the back end of my mortgage.Since then XXXX approved to help me they paid 1 month mortgage of {$840.00} which they just received on XXXX XXXX. Since then I contacted them and have made 3 payments and she informed that they went on my Mortgage XX/XX/XXXX and we still in Covid 19. But every statement they sent me says to pay {$840.00} until XX/XX/XXXX the new mortgage payment is {$1300.00}. I do have documentation to back up. I also applied for loan modification which was denied on XX/XX/XXXX. I spoke with XXXX XXXX XXXX which is my mortgage specialist last week even though I have making payments of {$870.00} she still say I owe {$1300.00} While i waiting to hear back from them I made a payment of {$500.00} on XX/XX/XXXX, XX/XX/XXXX $ XXXX {$850.00}, XXXX sent ck XX/XX/XXXX {$840.00}. I'm still unemployed and I don't understand how they went up on my mortgage $ XXXXI 've attached documents. Please help.Sent Maryland Executive order from XXXX XXXX to them just as well .I have been in my home for 25 years and wish to keep my home for me and my family. THank you
01/21/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01605	Web
I, XXXX XXXX, believe that I am a victim of a predatory foreclosure scam that violates the Consumer Protections of RESPA and 12CFR1024.30-41. I received a loan modification from my previous mortgage servicer XXXX XXXX and can attach the Trial Period acceptance letter in XX/XX/XXXX. I began making the trial period payments in XXXX, XXXX and XXXX. What happened was I failed to call and accept the modification. I just paid the whole Trial Period of 3 months, expecting the trial modification would become final, only because the letter " only stated they would cancel if I did not pay ''. I figured I could skip the first sentence that said call us to accept. Their letter did not say and was not clear they would cancel, if I didn't call and accept. So, XXXX XXXX servicing corporation considered that a fail and transferred my mortgage to SN Servicing Corporation who I sent payments to starting from when they invoiced me from XXXX and XXXX. I made a request for information as per 12CFR1024.36 last week and the mortgage holder SN Servicing Corporation has not provided a written response to that information request in violation of 12CFR1024.36 ( c ). Further, SN Servicing Corporation failed to provide me with adequate written notice as per the requirements of 12CFR1024.39 ( b ) and thus should be prevented from proceeding with foreclosure at this immediate time. The last payment they returned was mailed back to me XX/XX/XXXX. As per the 45 day rule of section 12CFR1024.39 ( b ), SN Servicing Corporation should be prevented from proceeding to foreclosure until the earliest date of XX/XX/XXXX.
03/27/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 94928	Web
XX/XX/XXXXXX/XX/XXXX received a HAMP modification. currently and have always been current with my mortgage.XX/XX/XXXX started receiving bills from another mortgage company, SN Servicing , at first was throwing away thinking was a scam. then received notice of default, so I called them, they claimed to own my second. equity line of credit. told them I had been modified and should no longer have a second. after threatening to foreclose I came to agreement paid {$2000.00}, then started payments of {$320.00}, for about 4 months. whole time thinking something is not right. after speaking with real estate agents, they also said something is not right. second should have been taken care of in MOD. paid lawyer {$600.00} he said same thing, looks fraudulent. after months of research, the numbers in payments added up to it being taken care of but couldn't find anything in writing. Then got sale date. paid {$3500.00} to another lawyer he said same thing, looks fraudulent. filed chapter XXXX to stop sale. after his research found that the company XXXX XXXX XXXX that handled my MOD was shut down and disbarred for fraud. so 13 fell through due to finances I am back to sale date, from SN Servicing. after not receiving any bills or any kind of notices for 10 years they a foreclosing and asking for {$90000.00}, original loan was {$54000.00}, they are charging for all back bills due and fees, and foreclosure fees. denying to look at any modification. this was not a failure to pay due to financial hard ship but was not paid due to me not knowing the loan was valid. Now they are not wanting to work with me
07/30/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91945	Web
On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX, Enter into a settlement agreement with XXXX BANK XXXX XXXX A. AS XXXX THE XXXX XXXX XXXX.AND THEIR SERVICERS : XXXX XXXX XXXX XXXX. and I placed a complaint with this agency on ; XX/XX/XXXX complaint that XXXX have never provided proof that they honor the settlement agreement terms by the removal of fees and a reduction of outstanding balance ; reducing principal and interest from : {$470000.00} to {$430000.00} on XX/XX/XXXX see attached settlement agreement copy and payment of taxes, interest and principal payment according to promissory note ; PRINC & INTEREST {$1300.00} ESCROW UNTIL XX/XX/XXXX : {$95.00} PAYMENT EFFECTIVE XX/XX/XXXX {$1400.00} PER MONTH See escrow activity ( attached ) So We have request in Writing phone calls and Error resolution letter of our account activities and never got any answer on XXXX XXXX XXXX XXXX transfer loan to : SN SERVICING XXXX XXXX XXXX ; building XXXX XXXX XXXX, LA XXXX Loan # XXXX Hoping the new servicer will Honor the agreement it got worse request again again for account activity, statements, proof of correction of fees and balances reflecting settlement agreement to this date they have ignored all my requests by writing and phone calls and emails see attached corresponds from SN SERVICING our dispute is {$36000.00} settlement agreement and {$13000.00} of unspecified fees WE WANT PROOF OF CORRECTION AND A W-9 AND A DETAIL OF ACCOUNT ACTIVITY WE HAVE NOT BEING ABLE TO DO ANY LOSSMITIGATION BECAUSE OF THIS ERRORS see all attached documents to collaborate our dispute. XXXX and XXXX XXXX XX/XX/XXXX
06/29/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	PA 19119	Web
Our Complaint is against SN Servicing Corporation XXXX, CA - processing agent XXXX. In an event to bring our loan current. We reached out to the SNS. in XX/XX/XXXX. We made an agreement via XXXX XXXX in XX/XX/XXXX to pay {$6500.00} down and {$500.00} for 6 months. At the time of making the initial payment we were advised that all court proceeding were to cease as the payment arrangement met the requirements of SNS investors. SNS cashed our {$6500.00} payment and applied it to our account however, we continued to receive court notices. We contacted XXXX in XX/XX/XXXX and was advised via XXXX that the court dates were prior to the agreement and we did not have to attend court dates. She confirmed that our account was no longer being pursued. We continued to make monthly payments that were deposited. In XX/XX/XXXX we became concerned that no document was sent to us via SNS for us to sign about our agreement, and we received another court date. XXXX XXXX gave us the SNS attorney XXXX contact number we made several attempts to call with no response from her XX/XX/XXXX. We stopped sending payments because our property was still being actively pushed towards foreclosure. In addition, SNS to divert and cause delayed payments SNS sent a letter stating payments were no longer being processed at the location other payments were made. We have experienced theft by deception on behalf of SNS, once payments were made to bring the account active SNS confirmed they would halt foreclosure and it was not. We were advised by SNS via XXXX NOT TO ATTEND COURT DATES and were forced into Foreclosure status.
04/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33328	Web
Last year when I was giving an opportunity for a forbearance due to my father passed away from XXXX XXXX XXXX servicing company alloyed me three months to pay from XXXX a month to XXXX and I completed that process and then I started making my regular payments then XXXX was showing for now 10 months as if I havent made a payment which did come out of my checking account and then XXXX XXXX sold my account to another agency called Sn servicing Corp and I was on another 3 month forbearnce due to the passing of my brother of covid and I continued to pay per the agreement for three months XXXX versus XXXX which then they increased to XXXX which was higher than what my I signed for in my original loan contract in 2004 with my mortgage and I have taken notice that both companies are making adjustments not to escrow put to my interest and principal that I signed for legally in a contract of my mortgage. Im extremely upset that these violations are being allowed with out being audited when a transfer of loan is being sold to another servicing company. I have emailed and contacted Sn servicing at the following number XXXX to speak to someone to get this fixed and I have left a message and emailed them and no one has done anything regarding this. Im extremely concerned of the recording keeping of my loan and the hassle Im going through. I contacted XXXX XXXX at XXXX a text XXXX and no call back or anything at all. This is stressful and shouldnt be happening at all its been a little over a month of losing my sibling to XXXX and no one should have to go through this ever.
02/13/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11209	Web
SN Servicing failed to provide accurate information to me regarding loss mitigation options and foreclosure, as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). I submitted a loss mitigation package and never received any correspondence to date such as an ( Acknowledgement Letter, Missing Document Letter, Denial Letter or Ineligible Letter ) from SN Servicing as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). I decided to contact SN Servicing via phone call on XX/XX/XXXX, and their representatives confirmed receipt of receiving my loss mitigation package of financial information. During the phone call the SN servicing representatives stated they never sent me any correspondence pertaining to the status of my submitted loss mitigation package. In addition, and according to the attached SN Servicing 's recent monthly mortgage statement my loan as of XX/XX/XXXX, is 3685 days delinquent and the last payment made was during the month and year of XX/XX/XXXX, which confirms that the six-year statute of limitations has expired long ago. The New York Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing is required to inform the borrower that the statute of limitations has expired. SN Servicing also has never informed me in any aspect or provided me with a disclosure that the six-year statute of limitations has expired as required by New York Department of Financial Services debt collection rule 23 NYCRR 1 , Section 1.3.
07/02/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21207	Web	Older American
XXXX XXXX is deceased. XXXX XXXX, I'm the owner of XXXX XXXX XXXX XXXX XXXX MD XXXX. I Took over mortgage payments in XXXX. I was unaware I had to pay XXXX XXXX, additional {$98000.00} XXXX XXXX XXXX balance XXXX for previous refinance, by the deceased homer owner. The bank want the lump sum at one time So I to File bankruptcy XXXX, in order to keep my home. According to bankruptcy court she had a Orginial fixed rate loan payment with a due date pay off was in XXXX, which I still paid beyond the due date. According Master bankruptcy court my attorney was to investigate the loan as directed by the judge on the fixed and ballon payment. The judge said it was fixed loan. I'm still paying loan {$87000.00} 9.8 % rate interest XXXX principal. XXXX XXXX sold mortgage to 3 times to subsidiary banks such XXXX XXXX servicing, SN Servicing Corporation. Since then XXXX cash my homeowners insurance check to fix {$6200.00} foundation in XXXX, never return it to fix foundation. Homeowners insurance also sent need new roof XXXX and the SN SERVICING CORPORATION received the check from my Insurance is still holding that check for over a year, and I can not get roof or foundation fixed due to this issue with my mortgage compand and im still paying them for the loan through bankruptcy court. My ceilings have molded, also part ceiling fallening, and my income tenant move out. This is also a health hazard to me and my family. Roof still leaks. I'm still in bankruptcy paying mortgage to SN Corporation ... about $ XXXX so far.
06/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22204	Web
XXXX XXXX and his wife bought his house on XX/XX/XXXX, after that they refinanced his loan ( XXXX ) on XX/XX/XXXX. As a result of supposedly a bad procedure when the agents recorded the certificate of satisfaction of the previous loan and the new loans, XXXX never recorded the release of his lien. Mr & Mrs XXXX were not aware of the mistake and about that they had a pending remaining balance, until they received a FORECLOSURE letter with sale date scheduled for XX/XX/XXXX. They were desperate and on XX/XX/XXXX filed Bankruptcy chapter XXXX ( case # XXXX ) to keep their home, the chapter XXXX plan was confirmed and the bankruptcy completed. During the Chapter XXXX bankruptcy XXXX obtained the loan modification with XXXX XXXX on XX/XX/XXXX. The principal balance originally was {$13000.00}, the Loan Modification capitalized the arrears, and the new balance after modification is {$23000.00}, then after the loan modification that started on XX/XX/XXXX. He made ALL THE REQUIRED PAYMENTS. But during the last 6 months the loan was changed 3 times of name / servicer, and the present servicer SN Servicing Corporation, sent a statement informing that he is behind and will add fees and will foreclose the property. A representative ( XXXX ) called XXXX frequently trying to collect the payments and trying to add late fees. Copies of the payments are attached and the letters received. Please note that XXXX sent a money order that was never reflected on his statement and he had no option that send the payment again.
06/26/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NY 11530	Web
FDCPA VIOLATIONS - REFERRED BY FTC SN SERVICING XXXX XXXX XXXX IS CONTACT XXXX FDCPA violations since servicing loan that it did not originate and the loan was in default at the time servicing is received, hence SN Servicing is a debt collector. 2 ) SN Servicing added in debt that was written off by prior owner. XXXX. May not use unfair or unconscionable means to collect or attempt to collect a debt. Collect any interest, fee, charge, or expense incidental to the principal obligation unless authorized by the original debt agreement or is otherwise permitted by law. Use any False, Deceptive or Misleading Representations to the court, and to their client, the investor, on history of the debt. 3 ) Forced Place Insurance was imposed without notice. They sent notice to address they knew was incorrect. 4 ) DENIED Covid Forbearance based on original of debt from 2008 default? And ignored our many covid related losses. 5 ) ACTION - Threaten to take any action that is not legal or intended, constant threats of litigation if we applied for COVID 19 forbearance. 6 ) ESCROW / PROPERTY TAXES - trail mod contract explicitly states the we pay them escrow for property taxes, which we do and did, and they apparently stopped paying property taxes last year, despite their constant legal threats to sell home, and their actions in court to sell it, which were deemed illegal and cancelled. 7 ) SN SERVICING TOLD US THEY DO NOT HAVE THE POOL SERVICING AGREEMENT FOR OUR DEBT, NOR DO THEY HAVE THE ORIGINAL DOCUMENTS
10/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 925XX	Web
To whom it may concern : We recently contacted our Mortgage company on XX/XX/XXXX of this year XXXX. I needed my interest statement for TY XXXX and XXXX, they did provide. My husband and I have been considering refinancing our existing mortgage. One of the lenders in whom we spoke with asked us for a recent Morgage statement. I proceeded on XX/XX/XXXX to log into our Morgage Company 's website to obtain this information. To my surprise, I was unable to login. XXXX XXXX XXXX without hesitation, I assumed the kids, phones, tv was making it difficult to log in and I'd try again in my office in the am. I spent the majority of the next day trying every avenue of the web looking up our Morgage Comp. I referred back to our " large '' file of paperwork to find a phone number. I made my husband aware of our difficulties and gave him several numbers as well to call. To our surprise with both of us attempting to contact them all lines have been disconnected. We then preceded to go into panic mode. I then emailed the lady in whom last emailed me with our interest statement and that too came back undeliverable. How are we to make a mortgage payment in XXXX? Do we contact an Atty? We're lost and so here I am writing to you- Please advise, Our Mortgage Company has disappeared. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company : SN Servicing Corporation XXXX Bounced back email undeliverable : XXXX and Email : XXXX Website : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX
10/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11550	Web	Older American
I applied for a Forbearance under the Care Act & was granted 5 Months at the time of applying my Monthly payment was {$2000.00} & after the end of the Forbearance, I requested an extension & was denied by my Servicer, Which is a blatant violation of the Care Act, Claiming that an extension is not allowed, But the Federal Government made it obvious that an extension of the Forbearance was allowed, They insisted on giving me a Modification in the sum of {$2700.00}, The modification amount would make it unaffordable for me. I kept insisting on the Forbearance extension which I was entitled to as per the U.S treasury Dept under the Cares Act as passed by Congress, The constant threat when I called to let them know I will not accept the Illegal modification amount was unbearable for me. They then sent me yet another Modification agreement stating that my new payment would be {$4600.00} for 3 months I refused to accept the increased amount, I informed them that under the Cares Act the amount I owe per the Forbearance must be added to the back of the Loan, they are refusing to accept the directives of the Federal Government & has insisted that I must accept their Modification in spite of the fact its without merits & violate the Federal Regulations under the Care Act, Which allows me to have the amount added to the Back of the Loan & then I would continue to pay my original Mortgage payment prior to accepting the Forbearance, They are not aware of the details of the Care Act
12/02/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ XXXXX	Web
I am requesting a pay-off statement of the TOTAL amount due as of XX/XX/XXXX I am not sure if it matters the the statement you sent is referring to XXXX XXXX XXXX XXXX NY. The correct address is XXXX XXXX XXXX XXXX, N.J. Please provide a full and complete pay-off statement with all the transactions leading up to XX/XX/XXXX I am attaching some of the checks that were paid to this mortgage and need to seen the deductions. I get the feeling that the buyer finds out that their is no financial activity going back to the original XXXX purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage and the buyers senses something is wrong then declines making it next to impossible to sell the property. Right now XXXX XXXX XXXX XXXX who acquired XXXX XXXX XXXX XXXX has no financial history on the property at all. Records show the mortgage was NOT filed. In addition XXXX XXXX XXXX has produced no release of the lien or discharge record. I contacted XXXX title and they requested my copy of the title policy that doesn't come anywhere near the deed location. I have requested XXXX XXXX XXXX XXXXrward me a copy of any financial record paid to XXXX for the mortgage and they have not produce anything that proves that they paid for the mortgage in the first place. Please correct the property address and send me an electronic copy of the complete pay-off statement from the very beginning using the pay-off date as XX/XX/XXXX PLEASE TAKE A LOOK AT THE ATTACHED MIN INFORMATION AND THE DATES ....
02/28/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	SC 296XX	Web
They accepted a payment from a unauthorized party after I verbally and through expressed not to. I then made a two month payment AND updated our bank info with new bank info on the phone with a person and they still tried running the payment through our old bank. They have put some kind of block on our account via through the website that wont allow me to update the bank info again. When I called them about the unauthorized payment they began arguing with me cause they didnt want to reverse it cause it would cost them money. They tried telling me they were going to send ME the money from the unauthorized party in the form of a check, I said absolutely not you will reverse it cause I verbally told you not to accept it and you did anyways. Now they are purposely trying to cause a late payment that will affect my perfect credit and we are about to be getting anew construction loan. This house is sold and closes on XX/XX/XXXX. They lady who got very ugly with me on the phone is purposely doing this. Her name is XXXX, I was refused to be able to talk with their HR dept repeatedly. Ive been recording all phone conversations with them. My wife and kids in addition to the recorded calls are all whiteness as do all this stuff on speaker phone for these exact reason. We are in a world of customer no service and poor attitudes from people who are in the wrong line of work. SN Servicing is the company BEWARE of this company, they have no business handing peoples mortgage.
08/16/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98671	Web
We have gone through a lengthy process to either modify our loan or reinstate our loan so that we do not lose our home. During the process, I was working on taking out a loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We laid out a plan for reinstatement. However, obtaining the loan through my business took much longer than expected. We finally have the loan approval, but when we requested the reinstatement amount I found out that our loan was sold to a new loan servicer. The new servicer took over the loan on XX/XX/XXXX. That meant that my request through XXXX XXXX XXXX was not going to get back to me in time. I contacted my new servicer, SN Loan Servicer, and they informed me that they are not able to access my loan information until my information is boarded to their system. I told them about my situation, and they emphasized that they do not have any access to my information and I'm still not in the system. It took them 2 weeks to gain access to my account information. I requested the reinstatement amount be expedited, but they said it can take 3-5 days to do so. In the mean time, the sale date approaches and I am in limbo due to my loan being taken over 18 days before the sale date. I have reached out to the attorney representing the trustees and they even made the request to the new loan servicer to postpone the sale, but we have not heard from them yet. I have been advised to file a complaint with CFPB to enforce our protection in this situation.
06/22/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WY 82009	Web	Servicemember
SN Servicing Corporation provides mortgage servicing on a loan I took out in XX/XX/XXXX. The loan was to be interest only for the first 120 payments and then fully amortized after that. The amortized payments were to begin with the XX/XX/XXXX payment. However, SN Servicing failed to determine the new payment amount and showed a interest only payment due in XX/XX/XXXX. On XX/XX/XXXX, I called SN Servicing to see why they had not adjusted the billing amount for the fully amortized payment. XXXX XXXX, the service representative, stated that she would have applicable department determine the payment amount and she 'd call me back that day. After receiving no phone calls, I again called on XX/XX/XXXX, this time XXXX said she just got the information required and the new payment amount would be forthcoming. I finally received an email from XXXX on XX/XX/XXXX with the new monthly payment amount of {$420.00}. She also included the amount due of {$260.00} for XX/XX/XXXX since I had already paid the {$150.00} that was shown on the billing statement SN Servicing had provided previously. The next day I logged into my account with SN Servicing and made an ACH payment of the {$260.00} that was due. The payment posted that day along with a late charge of {$21.00}. It 's unbelievable that this company can fail to accomplish their contractual obligations, fail to provide information in a timely manner as they had promised, and then charge me a late fee.
10/20/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	IL 60090	Web
We had XXXX loan with XXXX sice XXXX, but in XXXX due to job loss, we had defaulted on payments and it took us almost 2 years to work out loan modification with XXXX lienholder XXXX as XXXX lienholder was in transfer almost every year. Last servicing we knew was XXXX XXXX XXXX XXXX where there was never alive representative on phone, and after lengthy hold times, our calls just got disconnected. Then in XXXX XXXX we found out that servicing was transferred to SN Servicing. However, there was never a letter or notice sent to us to advise of such transfer. Moreover, we were not even sent monthly statements for last 3 years. We have been working hard to keep our home and were happy to workout payment with XXXX lienholder and have not been late for over a year now, but SN Servicing is not willing to compromise and accept settlement or workout. Our calls and faxes were ignored. We made a settlement request in XXXX XXXX but learned only in late XXXX that it was declined, no counter offer, nothing, except recent letter from attorney that states loan is in foreclosure now. Earlier today, XXXX XXXX, XXXX I was finally able to speak to XXXX XXXX at SN Servicing who just demands XXXX XXXX to bring account current and is not willing to present my request for monthly payment arrangements to investor, she was rude, unprofessional, and once I demanded to record our conversation as she language was unacceptable, she just disconnected the call.
07/16/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30281	Web	Older American
My mortgage company bought my mortgage while it was in Covid Forebearence Protection, when the last mortgage company bought my mortgage, I was told before hand it would be added to the end of the Loan. When new mortgage bought the Loan, the informed me that they were the new Mortgage company, and did not have to Honor what the previous mortgage company said what would happen to my loan, because they ( Did not have to Honor previous Covid Forebearence Agreement, that was made between me and them ). The new mortgage company is showing the Loan, 371 Days Delinquent, and are Demanding full payment, or will possibitity start foreclosure on my mortgage and home. I had no choice but to agree to try to start paying them regular monthy payments, even before the agreeed upon forebearence had expired. the new mortgage /collection company is sending me Deliquency Notices , and stating that I may loose my home, after taking monthly payments, but are now saying they require the TOTAL AMOUNT DUE, in the next few days to bring account current, and stop any Foreclosure from being generated against my loan and property.. They are charging me a high rate of Interest currently based on loan being involved in Covid Forbearence, of almost {$14000.00} Dollars, to bring loan current, and contuine to make regular monthly payments, as agreed .. Their records show the account is past due from 2022, while under Covid Forbearence
08/24/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 35173	Web	Older American
I am about to have a hard time paying my mortgage payments. I am XXXX so I had where I was XXXX XXXX for people. but since our country is in this mess with the pandemic people are just spending money for this right now. I have a loan modification on my house but they gave me a interest rate of 5.125 %. I have told the mortgage that I have lost some income. I have ask them if they could adjust my loan and lower my interest since the interest rate today is so low. They just say no. They gave me no reason or willing to answer my questions about it just said no. But the mortgage company sent out letters saying they are willing to help people with their mortgage since we are in this pandemic. I have tried to talk to someone beside just a representative thinking maybe that they have more to do with the loans. But I just get a answer machine I leave a message about my loan no one calls me back. I know I will not be able to make my payments I have used all the money that I had. My XXXX check is not enough to pay the payment. That is all the income I have. I have things posted to sell if they sell I will have some money. I am willing to sell anything that I have to keep my home. My husband passed away with a XXXX XXXX. So I only have my income. I just need someone to help me. I have no family. It is just me and I don't know what to do. If you can help in any way I would be grateful. Thank You.
10/01/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 317XX	Web
I purchased my home in XXXX. It was transferred to several loan companies since then. However, I have been having problems with my current lender ( SN Servicing Corporation ) stating that my account was over {$17000.00} past due and they needed proof of payment history from XXXX to present, due to my loan being delinquent. I mailed those documents, attached with a certified mail receipt on XXXX/XXXX/XXXX. After waiting several days I called to check on the status and I was told management had to view them.Then days later I was told that I needed proof of payment dated back to XXXX because they could n't find any payment history. I told them what loan company I had my account with during that time and they can get it from them. They were not willing to do that so on XXXX/XXXX/XXXX, I sent SN Servicing ( XXXX ) a request of validation of the debt I owed because I did not agree with my past due balance. I received the letter a few weeks later showing my balance as mention above. They also stated that all payments made to them were going towards the past due balance ( which was paid years ago ). Instead of them researching my payment history from previous lenders, they chose to only accept what was passed down to them, just like the lenders before them! I want to know why they ca n't find it. That will be ridiculous for me to pay for something twice!!
06/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11530	Web
1 ) CONTACT, LOAN OWNER We have sent 5 Requests for Information, since XX/XX/XXXX, to SN Servicing asking for name, address, and telephone number of who owns your loan. They deny us a contact name, and have provided three different address in Texas, Arizona and Delaware, no contact person. 2 ) COVID-19 FORBEARANCE Our loan falls under federal protections, but SN Servicing Ms. XXXX XXXX XXXX has denied extending our Covid-19 forbearance, despite fact that our mortgage falls under XXXX XXXX XXXX agreement with XXXX XXXX, so they are violating the PSA agreement associated with our mortgage. 3 ) FPI - SN Servicing Ms. XXXX XXXX imposed Forced Place Insurance last year, and never advised us? they sent notice to a wrong address, with court advised them was wrong address. 4 ) LOAN MOD ESCROW - Our loan mod contract clearly states, and it was confirmed at settlement conference by SN Servicing attorney that we pay escrow for property taxes to SN Servicing and they pay taxes. They are escrowing taxes, we are paying them, but they are not paying them to authorities. Several lawyers and the court mediator confirmed this, but SN Servicing is collecting property taxes form us, but not paying them to authorities. Our investor/ loan owner is obligated to provide federal protections for Covid 19 forbearance due to their PSA.
10/04/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92544	Web
Dear Consumer Financial Protection Bureau, Please help I am about to lose my home because SN Servicing CorporationXXXX XXXX phone # XXXX ext. XXXX - XXXX who refuses to provide me with a payoff statement in order for me to sell my home, it is over 2 weeks since I requested for a copy and all they do is keep lying to me stating that they need to gather information. Now I have a foreclosure sale date set for XX/XX/2017. I was forced to place my home on the market to avoid foreclosure because SN Servicing CorporationXXXX XXXX claims that my original balance went from {$39000.00} to {$80000.00} within 6 months. Now I have no choice to sell my home because SN Servicing Corporation/XXXX XXXX keeps manipulating the balance that way the sell of my home does n't go thru. This seems to me that SN Servicing CorporationXXXX XXXX is delaying this on purpose to foreclose on my home. I have done everything that they requested and its not fair to me and my family to be treated this way. We have a foreclosure sale date coming up on XX/XX/2017 and SN Servicing CorporationXXXX XXXX looks like all they want to do is taking advantage of my situation. I requested for a manager and she tells me that she is out on vacation and wont be back until the end of the year. Please help!!!! XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
07/23/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 91331	Web
LATE FEE 'S Hi, I been having trouble with XXXX XXXX XXXX trying to make me pay late fee 's, almost {$700.00} of fee 's. My loan got transfer from XXXX to SN Servicing Corp in XXXX. XXXX sent out a letter to me in regards to this transfer and included the address of SN Servicing Corp to mail my payments. SN Servicing Corp never mail me any type of information at all until XXXX of XXXX stating I was one month behind my mortgage payment. Got records from my bank and showed prove of payment they accused of not paying. They cleared the error. Them out of nowhere they say I own almost {$700.00} of late fee 's due to my grace period being the XXXX of every month. They have no records or prove or a signature from me that I agreed to these changes. Before SN Servicing Corp took over, XXXX grace period was the XXXX of every month. Now I found out that when they sell or do a transfer the company taking over the payments are not allow to change any terms or conditions from the mortgage instruments. I been taking to XXXX since XXXX of XXXX. I have fax/emailed her information with prove in black and white statements from XXXX stating in fine print payment received after the XXXX will cause a late fee. Not even with that information she is not working with me. XXXX has all information I emailed and fax to her.
09/25/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30519	Web
My mortgage was with XXXX mortgage and I was working on a modification and just before a decision was made the loan was sold to XXXX ( loan is serviced by SN Servicing ). While the loan was still with XXXX, I hired a company by the name of XXXX XXXX ( owner XXXX XXXX ). They told me to not make my mortgage payment and they will secure my modification. After I received foreclosure correspondence from XXXX. After receiving the notice from XXXX I found out that XXXX XXXX was a scam. That forced me to have to file a chapter XXXX in order to keep my home. They claim that I owed them over XXXX in arrears which does not include another XXXX in escrow shortage and behind payments. I did not have any records to dispute it so I am now paying {$1600.00} in my BK which goes to them. My mortgage is {$2700.00} a month which does not include the {$1600.00}. I have tried for several years to get a modification with these investors but they basiccally told me to keep doing what I am doing and if I cant pay I will be foreclosed on. I even suggested that they can take my payment up some so I do n't have to pay so much monthly, but they said no they do not care. Even the servicing company tried, but they are still saying no to anything that would help me. It is like they want me to give up my home so they can sell it.
10/17/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu	TX 75211	Web
For the last months I have been trying to get a loan modification to not lose my home and XXXX XXXX ( assigned representative ) refuses to work with me. I am doing my best to keep my home but when I communicate or try to speak with Sn servicing especially XXXX she never answers the call and all other representatives only say " Theres nothing we can do for you '' I have a recording of it as proof. I spoke with XXXX XXXX XXXX. I even asked for a manager and the response is " what do you think shell do for you?, nothing. '' again, I have the recording to prove it. He gave no importance to my needs and situation. I Also spoke with XXXX, whom claims to be a supervisor. which wasnt much help either. All she can say was she had approached the account specialist to see what happened. Claiming there was a letter sent to me in XXXX or XXXX requesting additional documents but it was never received and when asking for a copy of the letter they were not able to locate it. Just proving it was never sent. I believe XXXX is not servicing my loan and my requesting in assistance. to this moment I still have not heard from the assigned rep XXXX after all the calls and complaints i did all morning. I need all and every help to keep my home and stay in it and no one is willing to help me
03/17/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 275XX	Web
I inherited a house from my mother 7 years ago there was a mortgage with XXXX XXXX at the time of her death the property wasn't in default. XXXX XXXX wouldn't allow me to assume the loan as per federal law and caused the loan to go into default by making me submit the same paperwork over and over than telling me the time expired and having to start all over again while going through this process they filed foreclosure on the property. At the foreclosure hearing the court ordered in my favor as they hadn't followed the law and the court dismissed the foreclosure and advised their attorney to advise their client to correct their error which they refused to do. The response I got from the bank was being jerked around and they filed numerous foreclosures which they ultimately I filed bankruptcy. After the was bankruptcy dismissed. They have supposedly sold the loan but I don't know to who. They can't or won't account for the XXXX I paid during Bankruptcy. I went into bankruptcy owing XXXX I paid XXXX and after bankruptcy I still owe XXXX. So now the bank has violated my rights as a heir to my property which has been my primary residence since 2009 they are also in violation of Federal Law and in contempt of a court order and they are still trying to foreclose on my home.
09/30/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33547	Web
Hello, I had a mortgage with XXXX XXXX XXXX and was in a forbearance due to Covid ( My Husband worked for XXXX ). The forbearance is from XX/XX/XXXX - XX/XX/XXXX. During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. My loan was then sold to SN Servicing effective XX/XX/XXXX. I received a notice from SN Servicing advising that the loan is in default. Called SN Servicing and was told the loan is due and they will not offer a deferment. Called XXXX and SN on three way on XX/XX/XXXX. Spoke to XXXX at XXXX ( agent # XXXX XXXX and XXXX at SN ( asset Manager ). XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. XXXX states that SN doesn't service loans backed by XXXX XXXX so that is impossible. XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX Homepoint then reported my loan 120+ days late to the credit bureau . I have sent them an email, and they said it will be under review for 30 business days. Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? I am extremely concerned and want a resolution.
08/03/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08742	Web
As part of a loan modification with SN Servicing, I was required to make 2 " good faith '' payments followed by 3 trial payments. My issue arose when I saw that the due dates between the last good faith payment and the first trial payment were only one day apart effectively requiring 2 payments at once. I made all 5 payments required for the modification to take effect but due to the due dates being so close together, the first trial payment was made after the grace period before a late fee would be assessed. I continued to make all monthly payments within 30 days of each payment but because that first payment was late, SN considered me a month behind and charged me late fees each month until I was finally able to get " caught up '' by their definition and make 2 payments in one month about 7 months later. This resulted in late fees on my account totaling {$580.00}. I have since explained my position to SN multiple times via emails and have requested the late fees on my account be waived. After multiple attempts and even advising them I would file a complaint, I still have not received any response to my inquiry other than one email stating a new account manager is handling my account. I contacted this individual as well and still am not getting any replies.
06/20/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29020	Web	Older American
My mtg loan was with BS Servicing ... they sold my account to SN servicing Corp ... .I owed about {$3000.00} to BS Servicing due to mild XXXX and illness. After SN servicing took over i paid on time AND with auto pay from my checking account. I asked them to put the arrears from BS servicing on the back of the loan because they said I owed THEM, the new company, the arrears now ... ... I informed them, XXXX XXXX, that I only bring in XXXX per month ... ..So I continued to auto pay and I always paid early ... .In XXXX I had illness and used some funds for meds and Dr.office visits cab fair ... .and I thought it might overdraft my account so I bought a money order and sent it instead ... .I also informed XXXX of this via voicemail and written mail enclosed with the money order. They went into my checking account anyway and took it out. I then asked him to apply the extra payment sent v ia money order to XXXX payment ... ... I was then called by XXXX and told he applied it to the arrears and I need to pay for XXXX with more fees attached, as I put a temp stop payment so I did not pay twice again ... .I am XXXX, have a XXXX XXXX and they are trying to take my home... Why are these companies allowed to use semantic, legally to steal homes and its all ALLOWED.
11/29/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 11530	Web
XXXX, ( XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX XXXX bought our Heloc debt from XXXX as part of the XXXX agreement, and were obliged to make efforts for a fair modification of the debt, in XX/XX/XXXX. XXXX XXXX was mandated under this XXXX agreement to modify homeowner debt, as part of forgiveness of their penalty owed to U.S. taxpayers for their crimes during the housing crisis. Instead, in our case, they committed modification fraud, they tried to hold us accountable for an completely false amount, they filed foreclosure ( lis penance ) in the midst of " modifying '', and they would not do a proper appraisal. They were just going through the motions of " modifying '', and then quickly sold the the debt to another bank XXXX XXXX, and a new service XXXX XXXX in XX/XX/XXXX. But now, XXXX has filed foreclosure, and judgement for sale on our home, based on false debt and in violation of the the XXXX agreement, and they do not even have standing to foreclose or sell, as they advised us that they sold the loan, and servicing in XX/XX/XXXX, yet they files a motion to sell our home in XX/XX/XXXX. It is pure harassment, fraudulent modification, false reporting to credit bureau, and more legal bills.
06/22/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 322XX	Web
As a result of the pandemic, the servicer XXXX Mortgage provided a XXXX month deferment, and then transferred the account to SN Servicing at the end of the deferment period. Despite being unemployed and ill, I tried to bring the loan current. SN Servicing 's proposed loan modification required me to pay {$1200.00} per month for 5 years, up from {$790.00} per month. I declined the offer because of the high possibility of something going wrong for a house built in XXXX with maintenance requirements. As of now, I have paid more than {$4000.00} in catch up payments. A statement claimed that the investor would lock my online account because of the small payments I've been making and wants me to pay a lump sum in order to bring the account current. Prior to a personal matter I had stated I would attempt to bring the account current by XX/XX/XXXX, but a relative had to step in and make the small payments of {$660.00} and {$150.00}. I feel that SN Servicing, which handles distressed loans, has threatened me for defaulting on the loan despite paying off more than XXXX of the past due amount in less than two months. Rather than losing my home, I do not wish to feel emotionally disempowered because I am threatened with a loan I am very close to bringing current.
10/15/2021	Yes	Mortgage FHA mortgage	Closing on a mortgage	NJ 07003	Web
I recently tried to sell my property prior to foreclosure based on the payoff statements I received from SN Servicing. I based the cost of the property on the payoff letters I received from SN servicing on XX/XX/XXXX ( {$340000.00} ) and XXXX XXXX ( {$350000.00} ) The week the closing was to occur XX/XX/XXXX but I disputed a sheriffs commission charge of {$6900.00} that I successfully had removed. This should have bought the final payoff amount to appx. {$340000.00} but the next payoff amount after the commission was removed was {$360000.00}. I was told the amount went up because of post judgement interest that had never been included on any of the previous payoff amounts. Now the buyer may back out because SN servicing is trying to escalate the foreclosure process so the commission fees will be added again and the property will be auctioned off vs having the mortgage paid off. I tried to contact SN Serviciing on XX/XX/XXXX and they stated that the additional charges were for attorney fees and that the balance just needed to be paid. Can anyone explain why the previous payoff amounts never included post judgment interest charges and the per diam amounts were significantly less? I have copies of all payoff amounts if needed.
09/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 410XX	Web	Older American
We have the property for sale with an agency, The XXXX XXXX XXXXXXXX in Florida since XXXX. Previously it was with XXXX XXXX XXXX from XX/XX/XXXX to XXXX have had many sale contracts that all get cancelled because the property does not pass inspection. It is now listed cash only, As XXXX, short sale. Up until XX/XX/XXXX, we had someone keeping up with landscape and keeping inside house clean for visits. Then the lender mortgage company, without warning, changed all the locks, broke the side window door and put up some plywood to quick fix. Rain in Florida infiltrated and caused water damage inside house. With every sales contract, there is an inspection and appraisal. The lender had these done but won't forward the results to our agent. The last sales contract could not get an appraiser and while revisiting house, noticed all the water damage around the broken window door and cancelled sale. Our agent signed another sale contract with closing date set for XXXX XXXX. The lender said that if the buyer doesn't have all needed for XXXX AND we have to sign a promissory note of {$17000.00}, the property goes to foreclosure. At the moment, it is very difficult to get an XXXX. There is a big difference between their appraisal and ours.
12/17/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ 074XX	Web
My complaint to the CFPB about SN Servicing Company requests an electronic copy of my pay-off letter so I can sell the house, without an actual pay-off letter I will not be able to sell the house. The letter SN Servicing Company sent me is not a pay off letter so I won't be able to sell the house and be subjected to the financial suffering of not get the requested pay-off letter. I am frequently told that I am a very easy guy to deal with and I don't think that a mortgage servicer should deny a customer a letter that will be used so that all entitled parties are pay in full. I am asking for an electronic copy of the pay-off letter so I can pay the house off in full. How is this : could you please send me an electronic copy of the pay-off letter made out for XX/XX/21 so I can sell the house. I don't have any options because a pay-off letter is required to sell the house. If I don't receive the pay-off letter soon I will no longer have a buyer for the house and be subject to financial damage. All I want is the pay-off letter I am not interested in being pen pals and wasting your time I am trying to conduct official business and being denied a required document that should be available.
03/05/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 20120	Web
I have problem with my 2nd mortgage company. The house is still underwater. The payments have been in default almost 10 years. I got this 2nd loan originally from XXXX XXXX, but it was sold many times without my knowledge, Now SN Service Corporation owns it. I am current and have been trying to get my 2nd mortgage loan modified since XX/XX/XXXX, but SN is Failing to Process the Application in a Timely Manner. SN has never been processed my loan modification and instead wants me pay {$20000.00} upfront and double the monthly payment for 12 months then they will get me a loan modification. They violated loan modification law to demand me pay {$20000.00} upfront and over charge monthly payments. Now they scheduled a foreclosure sate on XX/XX/XXXX. I want them stop and cancel the foreclosure date immediately and get my loan modification approved and make sure I get best deal according to my case since the house is still underwater. I have sent all required docs to them more than 6 months ago. In short, the servicer simply doesn't review my loan modification in a timely manner. Thank you! XXXX XXXX Loan # XXXX SN service corporation XXXX ext XXXX XXXX XXXX. XXXX XXXX
11/15/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 344XX	Web
I have sent several complaints to CFPB and CFPB isnt addressing the violation of Respa violations that have occurred by the new servicing company SN Servicing. SN servicing has refused to provide me my Amortization and has lied to the courts stating I didnt pay my mortgage payments as of XXXX of XXXX. I made payments and used their system which can be detected through their own software as well. I was also informed by their own employee that the board members didnt want my loan and were going to force me into a foreclosure. How is it legal that this is even allowed and why isnt CFPB allowing this to take place. Its illegal whats transpiring. I want CFPB to be held accountable for what they are illegally allowing to happen. I have been paying on my mortgage since XXXX and I loss my father in XXXX and my brother in XXXX from XXXX. Its a XXXX shame that this is allowed to transpire. We give billions away of tax payers money to XXXX and other countries but law abiding citizens are getting XXXX by mortgage companies and our own government. This needs to hit air ways and the public needs to be informed of what CFPB is doing to consumers. This is stealing..
09/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	FL 33971	Web
In XX/XX/XXXX, our area was struck by a hurricane. From XXXX to XX/XX/XXXX, our insurance company assessed the damage, which included our roof, garage door, bathroom, windows, and AC insulation. In XX/XX/XXXX, we initiated the repair process for our home, focusing on the garage door, bathroom, and XXXX insulation, and successfully completed these repairs. By XX/XX/XXXX, we received a check from our insurance company, with instructions from our mortgage provider to endorse it. In XX/XX/XXXX, we promptly forwarded the insurance check to our mortgage company as per their request. From XXXX to XX/XX/XXXX, we made multiple attempts to obtain the funds from our mortgage company. Despite our continuous efforts to provide the requested documents, the process proved challenging due to delays in acquiring necessary paperwork from various involved parties. Additionally, some repairs, such as those to the bathroom, AC insulation, and garage door, had already been completed, and we were eager to access the funds to cover these expenses. We earnestly seek a resolution to receive the reimbursement for the repairs we have already undertaken.
08/03/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75703	Web
As of today, we have been through XXXX loan servicing companies : XXXX. XXXX XXXX XXXX XXXX XXXX, then changed to XXXX. XXXX XXXX XXXX XXXX, account sold to XXXX. SN Corporation SN Servicing Corporation Account Representative XXXX XXXX XXXX XXXX, CA XXXX Office : ( XXXX ) XXXX ext. XXXX Direct Line : ( XXXX ) XXXX Email : XXXX We paid the balance of the loan ; however, loan servicing companies changed their names-from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, and subsequently sold our information to another company, SN Servicing Corporation. They all kept harassing us, demanding to pay them the alleged debt which we do not owe them. We have sent them evidences which include XXXX ) Payoff Statement/Final Balance ; XXXX XXXX Cashier 's Check. They hired lawyers to collect the alleged debt and we provided them with the same documents ; they stopped. Our house was damaged by the snowstorm in mi XXXX of 2021, Insurance company sent them a payment on XX/XX/2021, they keep the money and refused to forward the payment to us. We filed a complaint with the Texas XXXX XXXX XXXX, they investigated but then closed the case without any result.
02/16/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32958	Web
My CARES Act forbearance began XX/XX/XXXX, I have requested extensions every XXXX days as the CARES Act provides. My loan was transferred XX/XX/XXXX to SN Servicing and the terms and conditions of my loan were not supposed to change. SN Servicing refuses to acknowledge that I am in a CARE Act forbearance. Despite my request for extension past my XX/XX/XXXX expiration, the refuse to grant or acknowledge it. My original loan was Government backed by XXXX XXXX and XXXX XXXX but they are telling me that my loan is no longer government back and Im not eligible for the CARES Act. They are not threatening foreclosure and accessing late fees to my mortgage. I have provided documentation of my CARE Act XXXX and have disputed the debt collection they began on XX/XX/XXXX with the XXXX demand letter for repayment of my entire mortgage. I have communicated with SN Servicing attorney XXXX XXXX and SN Servicing 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, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They STILL refuse to acknowledge that Im in a CARES Act Forbearance.
01/09/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21206	Web
PLEASE NOTE THIS IN CORRECTION TO Complaint Number XXXX previously filed. Wrong Contract and Purchase Price was originally Uploaded. I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$230000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXX XXXX has went silent and they are now only requesting to have the bankruptcy stay released to pursue foreclosure proceedings. I now have a ratified contract confirming a {$230000.00} purchase price subject to home appraisal. I am requesting assistance with XXXX XXXX to accept the short sale offer at a fair and reasonable priced based on market analysis of home.
01/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92691	Web
I Would like to formally file a complaint against a my mortgage servicing Company, due to the current events created by COVID-19 There is two individuals name XXXX XXXX office manager in the XXXX office along with an Asset manager name XXXX XXXX, i have been dealing with them via email mostly XXXX XXXX as the manager XXXX XXXX avoids me discriminates against me when I call and always use the word investor and constantly put pressure that they cant help me. they forced me to send my money for my medicine and hospital visits to them with pressure tactics never speak to me they say I yell wont talk on the phone. they sent me a letter advising they will raise my mortgage payments effective XX/XX/2021 due to an escrow analysis i advised them i cant pay a XXXX more than i am already. they still don't care to help. The payments for XXXX and XXXX have been sent how ever they still don't care that I am doing all i can to pay on time. This company doesn't care for anyone effected by this whole pandemic thing. the company name SN SERVICING CORPORATION XXXX XXXX XXXXXXXX XXXX, CA XXXX
09/07/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD XXXXX	Web
I signed and had notorized on XX/XX/18 loan modification papers from XXXX with new interest rate of 7.6 %, with monthly mortgage payments of {$990.00}, for 300 payments that became effective XX/XX/18 ; with signed and notorized agreement by XXXX XXXX from the company of XX/XX/18. I submitted an electronic payment of {$990.00} on XX/XX/18. I received notice that the loan had been sold to SN Servicing Corporation with payments to be sent to : SN Servicing Corporation, Payments, XXXX. XXXX XXXX, XXXX, TX XXXX. I submitted an electronic payment on XX/XX/18 of {$990.00} to that address. I would like assurance that the modification agreement I signed on XX/XX/18 is still in effect with no changes. In the notification letter from SN Servicing the address for questions is : SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX and the letter also stated the owner of the loan belongs to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, LA XXXX ; XXXX. I sent an original of this document on XX/XX/18 ; but it would not go through to the address of the owner of the loan.
03/18/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MN 560XX	Web
We are borrowers who reside at the subject property for the last twenty-seven years. After an unexpected accident which led to wifes XXXX and we applied for a loan modification. We have disclosed all our financials, in spite to that Lender keep getting the same unaffordable for us monthly mortgage payment. Instead of adding all missed payments to the current mortgage principal amount, like every modification done, Lender is keep asking for a gradually increasing down payment knowing in advance that we can't pay that. This is only made us feel more miserable and hopeless than before. It doesnt sound at all like we even been offered a loan modification. We hope we have a wrong impression, but it feels like our Lender SN Servicing fully understand and knows that giving us such high monthly payment will lead us to imminent default wright away. Feels like Lender simply enjoys and doing everything that put us in the default without any chance to recover. It hurts to see how people smiling behind your back enjoying your suffering. Our constant stress level impacted our health.
04/10/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38138	Web	Servicemember
I submitted documentation to SN Servicing for a forbearance due to a personal illness and I lost my job during the pandemic. The company failed to reply to my request and they went forward with ether foreclosure on my property. The property was foreclosed on XXXX XXXX for {$89000.00} and the loan number is XXXX. I received this information from XXXX XXXX of the XXXX XXXX XXXX ( XXXX ) who stated he sent the excess back to the company. I owed only {$49000.00} on my home when they took the property from me and the excess was supposed to have been sent to me. My home had equity in it from XXXX .Mr. XXXX, gave me the name of XXXX XXXX of SN Servicing at XXXX Ext. XXXX. Ive tried to contact Ms. XXXX and she has refused to accept or return my calls. I am currently XXXX as I was approved from my XXXX benefits in XXXX of XXXX. I fell like the company deceived me and took my property. I dont have a home because they took it from me and I could have caught my note up once my XXXX was approved. Please call me at XXXX as I have supporting documentation proving these facts.
07/26/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 982XX	Web
After requesting a payoff from my loan servicing company, SN Servicing Corporation, I discovered an error. The payoff included an interest bearing principal balance of {$190000.00}, and two additional " other '' fees, which were further identified in the payoff detail as a Prior Servicer Corporate Advance in the amount of {$36000.00} and Forbearance Principal in the amount of {$36000.00}. Per my original loan modification agreement in XXXX, there was a deferred principal balance of {$36000.00} and ( at that time ) an interest bearing principal balance of {$210000.00}. Since signing the loan modification agreement I have stayed current with my payments and at no point did I agree to, or sign for, any additional changes to my loan agreement. I notified SN Servicing Corporation of my dispute of the Prior Servicer Corporate Advance fee, in the amount of {$36000.00}, via certified letter on XX/XX/XXXX asking them to investigate the error. I received a letter back on XX/XX/XXXX stating SNSC would look in to it, but have not received any follow up since.
04/21/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NV 89052	Web
More than 2 months now into a mortgage refinance process and one of the problems that I'm told is VOM. Verification of mortgage payments. There is no reporting on payments made to existing mortgage company since XX/XX/XXXX. New mortgage company trying to close refinance has received owners payments proof including statements with payment history from existing mortgage company but underwriter has to fulfill VOM which does not show any reporting. Existing company, took 3 consecutive monthly payments coming out of forbearance and does not want to accept a modification or accept a balloon payment to bring loan current. Also, today XX/XX/XXXX making more monthly payments and never miss one since XX/XX/XXXX current mortgage company offered us a loan modification trial period without any commitment of what the loan will look like at the end of trial period. More, current mortgage company charging us a late fee monthly on the whole amount accumulated during forbearance, asking to pay in full the whole amount $ XXXX to bring loan current. Please help
11/07/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08054	Web
I fell behind in my mortgage payments due to the divorce and separation with my husband. After going through the court process in XXXX, the mortgage company was willing to work out an informal agreement. I had to pay {$1000.00} down and then pay $ XXXX monthly. On XX/XX/18 my {$1000.00} check posted to XXXX XXXX, XXXX. I then paid $ 350 monthly. At my last court date on XX/XX/18 the Attorney from the law firm representing XXXX XXXX was unable to provide my correct loan number for my account. It was said this didn't matter but to just continue making the {$350.00} payments to remain in good status. I have had problems with this mortgage company and the lawfirm throughout the whole process. On XX/XX/18 I was emailed from XXXX at SN Servicing Corporation saying the bank needs the {$1000.00} and the {$600.00} payment. I immediately got scared because I had already made that payment and felt like I was getting scammed. I am hoping the CFPB can look into this because I have already signed an agreement and have proof that I paid {$1000.00}.
01/03/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20748	Web
I was compelled to file another XXXX XXXX, again further damaging my credit history on this same matter of requesting a loan modification, this time ( the servicer ) requested more information on XX/XX/2022, and that information was submitted ( see attachments ) on the same day. Days prior, the Maryland Homeowner Assistance Fund ( HAF ), requested modification records to be forwarded to : XXXX, XXXX XXXX, XXXX, Case ID # XXXX, on XX/XX/2022, again no response. Its obvious this non-responsiveness is a conspiracy to not process a loan modification and my XXXX XXXX XXXX assistance. I wish that you investigate this matter, if necessary, I will escalate these matters to : XXXX. XXXX XXXX XXXX XXXX ( submit ) Privacy Act Form XXXX. Office of the Comptroller of the Currency XXXXXXXX XXXX XXXX XXXX XXXX. Office of the XXXX of XXXX XXXX ( XXXX XXXX XXXX ) XXXX. Federal Trade Commission XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	HI 96740	Web
SN Servicing Corporation is falsely alleging that my husband and I owe {$630000.00} for an alleged mortgage. Notwithstanding the fact that public records and property tax records show there is no mortgage on our property, SN Servicing continues to send monthly billing statements with alleged costs escalating each month. Months ago, my husband and I contacted SN Servicing in or around XXXX XXXX and spoke with XXXX XXXX and XXXX XXXX who claimed to be portfolio managers. When we asked why they were charging us for attorney fees and foreclosure expenses, we were informed that those fees were for XXXX law firm, XXXX [ Note address : XXXX, HI XXXX phone : XXXX XXXX / fax XXXX ] This law firm attempted to foreclose on our property on behalf of XXXX I in XXXX XXXX to XXXX XXXX in the Hawaii XXXX XXXX Court but failed to foreclose. The case was dismissed on XXXX XXXX, XXXX. Now SN Servicing continues charging us foreclosure expenses, alleged mortgage charges, and other expenses including opposing counsels ' attorney fees that we do not owe.
02/20/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NC 27406	Web	Servicemember
During the month of XXXX I receive a letter from a mortgage company that i was not familiar with and they stated that i did not have hazard house insurance. So i call them and they informed me that my 2nd mortgage had been sold to another company by the name of SN Servicing Corporation, so they gave me their number and i made contact with that company, after talking with that new mortgage company they inform me my loan had been sold. I inform them that i did not receive a phone call or any type certify notice that my loan would be or has been sold, they stated that they don't have to send out notice and stated they did mail out a notice. After several phone calls to this company to inform them i was unaware of the sale and that my account is three months behind due to the sale of my mortgage and ask them if they could modify, refinance or move what was behind to the rear of the loan they refuse help or to give any assistance on that matter rather they insist if you can't pay then i suggest we will have to start foreclosure.
04/30/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 63366	Web
My husband, XXXX XXXX, passed away on XX/XX/2017. Since that time, I have made every effort possible to resolve the outstanding mortgage on the property with SN Servicing Corp. I do not have the financial ability to maintain his mortgage, so I have repeatedly requested short sale consideration. SN Servicing Corp maintains that the owner of the note will accept no less than $ XXXX net proceeds for the property. Unfortunately, just as I do not have the financial ability to pay the mortgage, I far from have the financial ability to complete the repairs necessary on the property to obtain an offer that would net them such proceeds. SN Servicing corp refuses to complete an interior inspection, bpo, or appraisal of the property, such as is standard with most all other banks and servicer 's to determine the true value of the property as is. I am a widow, this is not my house or debt, and all parties are just looking to come to a mutually beneficial agreement for both the owner of the note and to resolve my late husbands estate.
12/17/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02301	Web	Servicemember
I was on a covid forbearance that expired in XX/XX/2021. I start payment my current mortgage to a new servicer once my mortgage was transferred from XXXX to XXXX in XX/XX/2021. I was told over the phone that my service XXXX could not put the forbearance amount to the back of the loan or Modify the mortgage because it was sold starting in XX/XX/2021 to SN Servicing. A payment was sent to SN Servicing for {$10000.00}. my next payment would be in XX/XX/2021. I was told from XXXX of Sn Servicing to complete an application for Modification for the outstanding amount of what I owed from the modification. I tried to make a payment on SN Servicing 's website and was unable then I called and spoke to XXXX whom told me that they were not going to take my payment unless I pay {$24000.00} or a payment arrangement of {$14000.00} and {$4400.00} each month and the modification was denied. I have no idea who owns my mortgage and was never notified by mail. I believe the mortgage is doing some fraudulent activities. Could you help me?
01/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10465	Web
I have been having a problem with SN Servicing, the company who previously held my mortgage. They have been unresponsive. I have been trying to refinance my home and my mortgage broker has informed that SN servicings records show I was not timely with my payments and that missed some payments. I have never been late or defaulted on mortgage payments. I have made numerous attempts to have SN servicing correct their records and show accurate information so that my refinancing is approved. I have copies of my cancelled checks showing that payments were made timely and I was current. In addition, SN servicing sold my mortgage to XXXX XXXX. By the time I received notice of such, I had already made my monthly payment. SN servicing cashed my last check and have not forwarded the payment to XXXX XXXX despite my requests to for them to do so. I have personally spoken to and sent emails to both XXXX XXXX and XXXX XXXX who have ignored my requests for the records to be updated and my last payment to be forwarded to XXXX XXXX.
10/03/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CO 80013	Web	Older American, Servicemember
On XX/XX/2019 I verbally requested and also faxed a request to XXXX XXXX for a transcript of all conversations and also all correspondence between S & N and us. She transferred me to XXXX who informed me that they would not do that without a request from a lawyer. Our HUD advisor told us it was not necessary to have a lawyer and it was our right to receive this information. As of XX/XX/XXXX it will be 30 days since request was sent and I demand that this information is sent to us within the 30 day guideline. XXXX can be reached at XXXX XXXX or XXXX. We have made several offers take care of this. We were totally unaware that they continued to charge us 10 % interest during the time post bankruptcy that this loan was dismissed. We had tried several times to get the loan interest lowered which at the time loans were at 3 % but we were underwater with the loan as the home market plunged within months of this loan. This is what forced us into bankruptcy. These greedy banks have been unreasonable. Our loan number is XXXX.
09/23/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	GA 30349	Web
I had fallen behind on my Mortgage Payments earlier this year because I was sick with XXXX and had extreme XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and had to cut my hours at work. I started to work with a Mortgage Assistance Program in my city : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and this summer I received an award letter saying a payment of {$6000.00} was made on XX/XX/2023 and my Mortgage Company : SN Servicing Corporation XXXX XXXX XXXX XXXXXXXX XXXX XXXX has said they never received the check or hasn't applied it to pay my mortgage arrears as of today XX/XX/2023. I had to file for bankruptcy to stop my home from being foreclosed on and I'm in the process of getting my case confirmed, but the Mortgage Company is refusing to post this payment to my account. The Mortgage Assistance Program has said the check was never returned to them and it hasn't been cashed yet. I would like to know why they are refusing to post this payment to my account to cover my mortgage arrears.
11/15/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	NY 11704	Web
My home loan was consolidated with a home improvement loan. After realizing the principal amount on the note was incorrect they modified the principal amount from {$690000.00} to about {$620000.00}. I was being overcharged and after making the adjustment on the principal amount I do not believe an adjustment was made on the interest paid. My loan was sold several times and in my foreclosure action they presented a note that was not endorsed. Judgment of Foreclosure and sale was entered by default and not on the merits. Based on a recent forensic review it was recently discovered that in my bankruptcy proceeding the alleged lender had to prove they owned my loan and submitted a note with my forged signature. This note was not the same note they presented to the court in my case. Additionally there is only one endorsement. I have reason to believe that the party enforcing this claim is not the owner of my loan. Illegal charges has also been added onto my loan and the amount they claim is owed is disputed.
11/02/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33603	Web
XXXXof 2021 I was calling, voicemail, emailed, and stalk t SN Services to make a payment and be current on my mortgage. They lock my account online ( I could not make any form of payment with SN serving open my account, reason why I kept calling because I didnt understand why I couldnt make a payment. I did what I could to stop this foreclosure and no one responded until it was happening. I finally spoke to the lady once for her to tell me my house is in foreclosure. I was told this in XXXX. ( foreclosure started XXXX I was calling to stop it ) I could even rest my passwords unless they unlock my account. XXXX and XXXX I was calling to make payment to prevent the house going into foreclosure. She didnt respond until the house went into foreclosure causing me lawyer fees and I had to pay and get it out of foreclosure by the end of XXXX. I called and tried to make payment for 4-5 months and no one responded until it went into foreclosure XXXX. Please help me please I have the XXXX out of the XXXX.
06/10/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38106	Web	Older American
XXXX XXXX called to say modification for me any my husband was denied. She was very rude, disrespectful and unprofessional during our conversation. She said she still haven't gotten all the docs needed to complete the modification. I sent the letter requesting the docs and submitted them. She said they were not current. I told her they are the most current I had because my wife is no longer working, because Mr. XXXX had an recent XXXX XXXX. She said Mr. XXXX should have thought about this when they were behind, and this was no concern of hers. I have sent all requested papers but XXXX XXXX refuses to help us. Our income has changed and my wife vehicle is paid off. She has told me a lot of timesshe is not going to look at the paper work we send her. I no longer wanted to finish the conversation because I knew it wasn't going to get any better and she was talking to me rude. I want the conversation pulled to show that she was disrespectful and unwilling to assist. I remained calm ended the call
07/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48083	Web
We purchased our home in XX/XX/2021 for {$310000.00}. We put 5 % down, so our loan was {$290000.00}. Our original loan servicer was XXXX XXXX XXXX. It was sold to XXXX XXXX approximately one year ago. Our home value is now approximately {$400000.00} based on appreciation alone. We have also done numerous upgrades to the interior and exterior of the property. We are very confident our home would appraise for well over {$400000.00}. We have had several phone conversations, several email conversations, and have sent two written mailed requests for Private Mortgage Insurance ( PMI ) ( $ XXXX ) removal, to which they have repeatedly denied, or ignored. We specifically have spoken to XXXX XXXX and XXXX XXXX at XXXX XXXX. It is my understanding that if we request the PMI removal, then they must order a Broker Price Opinion, or reappraisal to determine the current value of the property and if we are at the 75 % XXXX ratio for PMI removal. We believe they are not acting according to legal guidelines.
12/06/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 33458	Web
I fell behind on my mortgage due to a reduction in income because of health issues I was having. I hired a law firm to be able to discuss my mortgage with my lender. I also sent a qualified written request. My law firm called on XX/XX/2022 and asked where to send the documents. We complied and my law firm tried to contact my lender on XX/XX/2022 and XX/XX/2022. Both times the law firm was sent to a voicemail for someone named XXXX. Both times messages were left and the lender is aware they are attempting to try to retain the property. The lender will not call back and I am not sure I have had all available assistance under the CARES act accessible to me. Today, XX/XX/2022 the lender set a sale date and did not even give me 37 days under regulation X to attempt to retain the property. I believe my lender is purposely not allowing my law firm to get any information and they have not responded to the QWR and set a sale date with the QWR outstanding. I would like a fair chance to save my home.
09/18/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29485	Web
because of covid I fell behind in my mortgage payments in XX/XX/2020. I started to work with my mortgage company on a plan to help. finally in XXXX they gave me a forbearance but for only a month. I sent them a payment and it was returned to me. I find out that they had sold my mortgage to s & n servicing and it had to start whole process over. right around this time I went to doctor for checkup and her saw a strange XXXX on my XXXX. it turned out to be XXXX and it had XXXX XXXX to remove it and then XXXX to be sure. this fall effected my work once again. I have been sending info fir months to s & n and they finally sent me a proposal at beginning if XXXX XXXX there offer is to increase my payment from {$1000.00} to {$1700.00} and increase my interest rate from 3 to 4.5 even though interest rates are at and all time low. I fell like they are talking advantage of me because I dont have a middle man negotiating for me. this payment would take up more than half of my income. what can I do?
12/08/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AR 72209	Web
I have reach out to SN Servicing because I was sent a letter saying I was {$15000.00} behind in my mortgage when for a XXXX I have been sending in the payment amount of {$600.00} and when I called they were very RUDE to me as I was trying to understand what happened and why they said I owe that amount because my escrow had went up, I was not aware that it had went up or that my payments had changed. I completed a loan modification to try and reduce my payments so I can continue to live in my home and was told I was denied. I spoke to XXXX XXXX and she said her investors told her to go forward with Foreclosure. I am not sure who my XXXX Holders are and I am not sure what is going on, I have not been getting any mortgage statements in the mail. I was calling and leaving messages and resorted to e-mailing trying to get some help with this matter. Once I realized my insurance is what made my escrow go up, I have found some cheaper home owners insurance but they are refusing to pay it.
01/09/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21206	Web
I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$250000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXXN Servicing has went silent and they are now only requesting to have the bankruptcy stay released to pursue foreclosure proceedings. I now have a ratified contract confirming a {$250000.00} purchase price subject to home appraisal. I am requesting assistance with SN Servicing to accept the short sale offer at a fair and reasonable priced based on market analysis of home.
12/14/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	WA 98408	Web
Our Mtg was transferred or sold to SNSC Borrower Services. We were not contacted, so we sent our payment to the previous company, not knowing it should go elsewhere. That was the first problem. We have always had homeowners ' insurance in place, and it showed on the dec page they received with their paperwork but they still charged us an additional XXXX each month as we did not have it. Our insurance also sent request by fax to add them more then once. Company never responded. Thy also sent request for insurance payment at renewal that was never responded to so our coverage cancelled. As of today I an unable to even view our account or see our statements because they locked us out of the website. I feel I need to get an attorney, they are trying to to take our home. Why would they not respond to our homeowners insurance company, charge us for mtg and take it our to pay for us but not pay it? Please let me know if you need to talk to our homeowners representative.
10/29/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11530	Web
Servicer SN Servicing never sent us a loan ownership transfer notice when our mortgage was sold. The XXXX XXXX, new owner of your loan and servicer never notified us within 30 days of the effective date of the transfer. They only transferred in XX/XX/2019 with the court but filed a judgement foreclosure sale before notifying us of transfer. They never sent us notice of the new owner 's name, address and telephone number. ( and if different, the person who can resolve issues concerning your loan payments or any right to rescind the loan ), They sent information with contradicting dates of transfer, a year after the transfer apparently took place, and never advised us whether the transfer of ownership is recorded in public records. We became collateral damage in their transfer process. They filed with the court immediately for judgement foreclosure and sale. They are still attempting to sell our home via court, without any genuine effort to modify.
06/08/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38106	Web	Older American
Requested mortgage assistance or forbearance with my mortgage company several times over the years. I have been forced to file bankruptcy a lot of times to stop the foreclosure on my home. I am XXXX XXXX, I don't want to loose my home. XXXX XXXX with SN Servicing has told me a lot of times I can't keep the house because I could not afford it. I have sent financial and paper work to my mortgage company a lot of times. My interest rate is 13 % and they refuse to lower our interest rate. We have been in our home over 20 years and we are senior citizens. I have called XXXX XXXX a lot of times recently and after I send my documents, she will not return a call for weeks at a time. She is rude and mean. There is all sort of assistance I have read for people that need to keep theirs homes from foreclosure When I Call SN Servicing if I cant speak with XXXX XXXX I am told by who answer the phone can't any one else speak with me, this happened a lot Please Help
04/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30062	Web
SNServing Loan received Payment from Insurers for home repairs for {$62000.00}. SNServing denied disbursement at closing for {$20000.00} and fails to cooperate with client, the homeowner after CFPB complaint filed prior to loss of the property. SNServing agrees to ONLY disburse owed funds by compliance to sign false statements to commit perjury to satisfy SNServicing Release and Receipt for funds. The Home Owner is owed by SNServing {$20000.00} and the bank XXXX XXXX XXXX has escrowed funds. Homeowner will not and should not be forced to commit perjury to have owed funds released. Homeowner modified SNSERVICING Corporation release and receipt to reflect accurate, truthful statement and SNServies refused to release funds owed by law. Furthermore, XXXX states they are illegally filing an interloper charge to prevent access to the funds legally owed to XXXX XXXX that SNServicing failed to issue owed at settlement closing for property.
05/07/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 380XX	Web
THIS COMPANY WAS TRANSFERRED OVER TO THEM ON XX/XX/2021. THE MORTGAGE COMPANY HAS BEEN SOLD TO SN SERVICING CORPORTATION AGENTS FOR XXXX XXXX XXXX XXXX AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... I HAD REQUESTED MORTGAGE ASSISTANCE FROM THIS COMPANY I HAVE SUMMITTED ALL OF THE INFORMATION THAT THEY HAVE ASKED FOR INCOME, PROPERTY TAXES, INSURANCE ON PROPERTY, A MONTHLY PRINTOUT DUE TO COVID HARDSHIP IM NOT MAKING THE INCOME I USE TO MAKE ITS BARELY ACCEPTABLE ... THE COMPANY HAD TURNED ME DOWN NOT WILLING TO WORK WITH THE HOMEOWNER THE RATEFOR THE PROPERTY IS OVER XXXX % WITH A LARGE MONTHLY PAYMENT ... ITS A XXXX LOAN WITH AN ADJUSTABLE RATE ... THIS COMPANY STATED THAT THE XXXX WANT TWO OR MORE PAYMENTS A MONTH FOR XXXX TO XXXX MONTHS WHICH IS NOT AFFORDABLE TO THE HOMEOWNER.. ALSO THEY STATED THAT ITS A XXXX XXXX AND THEY DONT PRECIPATE IN THE GOVERNMENT CHANGES ... I THOUGHT THAT A MORTGAGE COMPANY SUPPOSE TO HELP THE HOMEOWNERS?
01/31/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 226XX	Web
Since XX/XX/2019 our Realtor has been trying to get SN Servicing to consider a short sale. They have been extremely uncooperative and unwilling to come to any resolution. We currently owe more on the mortgage than the property is worth but I'm told that they still want a full payoff. This doesn't make any sense. The house is in deplorable condition and falling apart. My realtor even payed for a BPO and sent it to SN Servicing with no results. We desperately want to get this resolved. SN Servicing has not stated why " the investor '' ( their client ) is unwilling to consider a short sale. We have a ready, willing, and able buyer to purchase the property. We think SN Servicing just wants to foreclose because they're not giving any reasons for not cooperating. The following attachments are included : 1. Email correspondence between our realtor and the mortgage servicer 2. BPO ( Broker 's Price Opinion ) 3. Photos of the property
02/17/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91302	Web
I've been in default with my loan servicing company, SN Servicing Corporation. Although a moratorium on foreclosures was effective in California as of XX/XX/2020, the loan servicer and foreclosure trustee, XXXX XXXX XXXX moved forward with a non-judicial foreclosure at XXXX in XX/XX/2020. The sale reverted back to the loan servicer and owner of the note, XXXX XXXX XXXXXXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX. SN Servicing breached the California governors executive orders of banning foreclosures as a foreclosure took place at XXXX in the morning. Now, the attorney representing the investor has filed for eviction against me. There is a moratorium prohibiting evictions in California until 90 days after the Governor 's general order has been lifted. However, they are breaching any and all agreements. I would like action from the CFPB to investigate the foreclosure sale and investigate the eviction practices.
04/25/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91745	Web
I feel that I should be provided relief under the COVID and Emergency Rules of California and also offered a new loan modification offer based on my loan modification submitted on XX/XX/XXXX. My home is set to be sold at an Auction in XXXX. Ms. XXXX XXXX, SN Servicing informed me that they can still sell my home online and that I do not qualify under COVID Emergency Relief because the debt is from XXXX. This is false. They want {$50000.00} to proceed with a loan modification and forced me into a shortsale during the COVID period. I just requested a loan modification and COVID relief in XX/XX/XXXX. Time is of the essence and an urgent matter to me. I will be homeless and currently take care of my XXXX year old mother. I can not locate other living arrangements and need your help during this crisis. I don't understand why big banks and large retailers are given relief but the average ordinary American is given nothing.
12/02/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38016	Web
Requested mortgage assistance with my mortgage servicer, I have filed chapter XXXX several times trying to stop my home from foreclosing. My mortgage servicer is unwilling to help me my interest rate is 13 percent and has been that for over 20 years. Spoke to XXXX XXXX ext. XXXX w/SN Servicing Corp. She also stated I needed to show proof of income from both children showing they are able to make their own car payments. I stated that they have no problem giving me their money each month. to pay their vehicle payments. I feel I'm being discriminated against because of my age and I'm XXXX American male. My mortgage servicer has given me a hard time for years and I need to reduce my mortgage payment and interest rate. I have done research and under the Consumer Protection mortgage assistance regulations my mortgage company is asking for documents on my children income for debts they pay. Please Help, Please Help
03/21/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95678	Web
Hello, my name is XXXX XXXX, I have a very serious issue with my servicer SN Servicing Corporation. They will not stop the sale on my home scheduled for XX/XX/2020 despite what our President of the United States of America Donald Trump ordered this week, that all foreclosures and evictions are to be suspended. SN Servicing Corporation are not following the Presidents order and are in clear violation. Due to the Corovavirus ( COVID-19 ) I am unable to make any payments, phone calls, file any documents or mail any documents as of today the Governor stated no one should be outside. We all are to stay at home. If my home sells, I and my XXXX wife will become homeless in such a national emergency. This is a huge threat to I and my wife are in great danger of contracting the Coronavirus if we will not have a place to live. This is a very serious matter and has to be taken seriously as our lives are at stake.
11/07/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11746	Web
The loan was transferred from XXXX XXXX XXXX to SN Servicing. According to what was told to us it was transferred in XX/XX/2019. We received no correspondence. In XX/XX/2019 we started to receive numerous collection calls. We have a authorized third party reaching out to SN Servicing on our behalf and they could not speak to anyone on the loan. Before we were made aware of the loan servicing transfer we could not get any information on our loan transfer from XXXX and no information from SN Servicing. After numerous call from the asset manager. On XX/XX/2019, the asset manager, sent a request of a {$10000.00}. payment on the account. The statement that we received from SN Servicing does not show or reflect a {$10000.00}. payment that we made on the loan. A payment of {$10000.00}. was paid on this account Ck # : XXXX on XX/XX/2019. Where was the payment applied? What is really owed on our loan?
03/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	TX 78504	Web
I, XXXX XXXX XXXX originated my loan last XXXX XXXX, 2003 from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. My loan had been transferred to SN Servicing Corporation. From 6 % SN Servicing Corporation had signed me note with 7.370 % rate. I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to the bank faithfully. I had requested for the Federal Government 's Home Affordable Modification Program that made available for home owners like me. In order to assist me avoiding the foreclosure. I had already communicated with them and sent all requirements to SN Servicing Corporation yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, 2003. SN Servicing Corporation have not dealt to me in good faith until this moment.
06/27/2017	Yes	Debt collection Mortgage debt	False statements or representation Indicated you were committing crime by not paying debt	NY 125XX	Web
I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, SN Servicing, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a XXXX I had already surrendered the property to the previous servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX
11/02/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 085XX	Web
I requested a loan modification on my affordable housing deed restricted property in NJ. I was denied a loan modification from SN Servicing Corporation located at XXXX XXXX XXXX XXXX CA XXXX, in less I made a " Good Faith '' payment of {$25000.00} on my {$85000.00} mortgage. Which would NOT be deducted from my mortgage even if I could afford to pay it. I then counter offered {$10000.00}, just to get a response and was told they would take {$10000.00} cash and the remaining {$15000.00} would be put in my mortgage and double my mortgage payments, still never showing me where I would get credit for making these so called " Good Faith '' payments. Basically this company wants me to pay them to modify my loan for their profit and my loss. If I were able to meet their terms I was given less than 14 days to come up with " Good Faith '' payment and first month mortgage
07/15/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 328XX	Web
I've been communicating through loan servicer, SNSC Corp, with my lien holder regarding a payoff proposal. Initially, I didn't have my home listed. After a series of emails, ultimately the lien holder said they would not consider a payoff proposal without some type of documentation supporting the request, such as a sales contract. I put the home on the market, and on XX/XX/21, I began the latest series of communications. XX/XX/21 - Initial email sent to servicer with proposal. XX/XX/21 - Servicer replied confirming my proposal was sent to lien holder. XX/XX/21 - Servicer requested I send a copy of the sales contract and HUD/Settlement statement. XX/XX/21 - Servicer denied my request. XX/XX/21 - I replied to servicer, asking with whom they are speaking representing my lien holder. To this date, the servicer has yet to respond with that information.
03/23/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92691	Web
To Whom it ma concern, i'am writing to file a formal complaint on a company called SN SERVICING CORP . They service my mortgage loan, i live in California and the governor order the closure of all non essential businesses so I had to shut my doors for the time being through these crisis and times of hardship. I called my asset manager to express what is going on and tell her and sent her proof of the documents from the county and state requiring my closure she stated she doesn't have any say it is up to the investor. I asked who is the investor she gave me a name of XXXX XXXX XXXX XXXX XXXX XXXX, WHAT CAN I DO I NEED HELP OR DIRECTION. In addition there is no sympathy to our situation from anyone in that company to work with us or explain anything to us all they say is its up to the investor and we do not know who that is. CAN SOMEONE HELP ... ... ..
05/24/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07801	Web
I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME, I SENT IN A MODIFICATION PACKAGE AND WAS INFORMED BY MY ASSIGNED REPRESENTATIVE WHO IS AS RUDE AS CAN B E XXXX XXXX THAT DUE TO COMPANY GUIDELINES THEY DO NOT NEED TO INITIATE A MODIFICATION REVIEW BECAUSE I HAVE A SALE DATE WITHIN 37 DAYS. I ASKED IF THE FORMS I SENT IN WERE THE CORRECT FORMS AND SHE STATED NO WE HAVE COMPANY FORMS THAT WILL NEED TO BE COMPLETE, SO I ASKED HER IF SHE CAN SEND THEM AND SHE SAID NO I WILL NOT SEND THEM BECAUSE I DONT HAVE TO. HOW IS THE SERVICER OF MY LOAN REFUSING TO SERVICE MY LOAN? THIS HAS TO BE ILLEGAL ON ALL ACCOUNTS. XXXX STATED THAT SINCE SHE HAS BEEN DOING THIS FOR YEARS SHE KNOWS WHAT SHE IS DOING AND DOES N'T HAVE TO SERVICE MY ACCOUNT BECAUSE I HAVE A SALE DATE. I THOUGHT THE SERVICER HAS TO CONTINUE SERVICING THE LOAN UNTIL THE HOUSE IS SOLD?
01/06/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53223	Web
I would like to sell my house, that I purchased in XXXX, for {$210000.00}. I requested a payoff amount and according to SN Servicing Corp., the balance due is more than {$210000.00}. After 18 years of payments, how can my balance be more than my purchase price? In XX/XX/XXXX, the mortgage servicer ( XXXX XXXX ) sent me and the IRS documentation that stated my mortgage balance was just over {$120000.00}. When I started asking questions about XXXX stating that I had missed payments, instead of answering my questions, they sold/transferred my mortgage to SN Servicing Corp. How can my mortgage be over the amount I paid for it in XXXX? If the mortgage was sold/transferred for {$170000.00}, how am I responsible for that amount, when me and the IRS have the same written documentation from my previous servicer, that says my balance is {$120000.00}?
03/14/2016	Yes	Mortgage Other mortgage	Settlement process and costs	FL 344XX	Web	Older American
US Bank Lost all the Deeds and mortgage documents, Then miraculously they found them. From that moment on Witness came forward under oath clearly showing that the Notary signature and his seals were fake and forgery 's. Then The original witness came forward under oath stating the same thing. US Bank has no standing whatsoever and the Loan has been rescinded by us in a timely manner without being responded to within the 20 day rule. Because the contract was never consummated making it makes any past judgment Void. XXXX XXXX XXXX attorney for XXXX and US Bank Knows that they are committing a criminal act Plus they have consistently violated the OOC Cease and Desist Order. We believe XXXX XXXX has been the primary person involved in sending these falsified document across state lines and may have violated RICO laws in the process.
10/02/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 45417	Web
I have been receiving letters for almost 2 years about a mortgage that XXXX County Ohio revitalization has taken over. Servicing Corporation has been sending letters stating that I owe a principal amount of XXXX, with an escrow adjustment of {$240.00}. I got a letter yesterday, XX/XX/18 with a balance due of {$0.00}, however stating " the borrower remain liable for the mortgage loan obligation and any obligations arising from or related to the property, which may include property taxes ; the borrower may be required to pay the balance on the account in the future, for example, upon sale of the property ; the balance on the account is not being canceled or forgiven ; and the loan may be purchased, assigned, or transferred ''. The debt in question is not listed anywhere on my credit report ever or as of today XX/XX/18.
04/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94806	Web	Older American
To : Consumer Finance Protection Bureau. Mortgage complaint I have been overcharged {$96000.00} by SN Servicing, XXXX XXXX XXXX, XXXX, Ca. XXXX. I am a XXXX XXXX My accounting history is ATTACHED. The SN CEO, XXXX XXXX XXXX XXXX, XXXX XXXX and others REFUSE to have good faith discussions with me. I did a Qualified Written Request under the Real Estate Settlement Procedures Act and SN Servicing did not cooperate. I appealed this to the XXXX XXXX XXXX and the XXXX XXXX. The XXXX XXXX has marked this situation as SN Servicing being uncooperative ( notice ATTACHED ). SN Servicing have bullied me by returning my mortgage payment check and putting me into foreclosure, even though I make all my payments on time. They are robbing me and silencing me. Please investigate this violation of my consumer rights. Sincerely,
07/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 39212	Web	Older American
The original company XXXX XXXX sold us a house. Later the loan was sent over to SN Servicing. A couple years after buying the house when we went to file exempt from paying taxes, we found out we did not own the house. We also found out SN Servicing bought the house. They first told us we were leasing the house. When I asked about paying a mortgage and signing so many papers then they said its a Land Contract. The contract we signed was fixed rate mortgage and the mortgage keeps going up. She said its because of escrow and escrow has nothing to do with mortgage. Either way, we are both exempt from paying taxes. They said the only way we would ever own this house is to refinance or to pay it off. I'm not even sure if the paperwork they sent me is the original that I signed. We were not given a copy on the day we signed.
04/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29708	Web
Reporting in accurate information on my credit report I am in and have been in active chapter XXXX bankruptcy since XXXX XXXX. My loan was purchased by SN Servicing and since they received it they have been reporting my mortgage payments 90 days late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. They should not have been reporting my payments late as I have been paying my Trustee a month ahead and while I am protected under BK they should n't be reporting. They are now paid in full as agreed and I ca n't get an apartment or mortgage because of these negative marks. I have called them and spoke with XXXX and her Manager and they advised me to dispute through the credit agency I just need a letter stating this information they reported is inaccurate so I can obtain approval on a purchase but they refuse.
05/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60625	Web
I received word that my mortgage would be transferred to SN Servicing Corp at then end of XXXX. Transfer date XX/XX/XXXX. Tried to call company repeatedly, and after going through phone tree, it says " party unavailable '' and " no messages. '' Emailed XX/XX/XXXX wanting some information on the mortgage. Finally I got an email XX/XX/XXXX saying " here is some info to get you started '' which was bizzarre. I was able to register on their website, but there are no any billing statements and no way to check when the due date is or that they have the amounts correct. When I try to input a payment, it's a blank screen and scarily, no payment amount. I've requested a billing statement in writing, but given they don't respond rapidly at all, I have no hope. I feel like they are waiting to screw something up and ding me.
10/05/2018	No	Mortgage Conventional home mortgage	Trouble during payment process	CA 952XX	Web
My then-husband and I took out a 1st and 2nd mortgage in XX/XX/XXXX ; we divorced sometime a couple of years ago. in XX/XX/XXXX some private Trust took over the 2nd mortgage and SN Servicing began servicing the loan. I myself never received any mortgage coupons, statements or billing/payment information. In XX/XX/XXXX, I received a Notice of Default and since XX/XX/XXXX have ben attempting to work with XXXX XXXX at SN Servicing to structure some time of repayment plan, modification, or other type on arrangement. Ms. XXXX repeatedly requested additional documentation until such time as she deemed the application complete on XX/XX/XXXX and would be reviewed. XXXX XXXX then informed me on XX/XX/XXXX that the XX/XX/XXXX sale would still move forward regardless of the fact that an assistance package approval is pending.
06/01/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 31326	Web
Defaulted payments on my deceased husbands account, in which i am the sole executive of estate. My husband had a loan modification XXXX for term XXXX, he passed in XXXX. I was not able to continue payments. Since the loan was sold, in XXXX, one servicer made a short payoff settlement agreement within 90 days of {$30000.00} due XX/XX/XXXX. The loan was sold again effective XX/XX/XXXX, XXXX the new servicer will not accept the amount nor will they modify the loan stating that I am not able to pay according to my loss loan modification application.The loan is they state as 400 days ( 13 months XXXX past due, however i do understand this but they are billing for XXXX each time the amount increases the modification PI was {$390.00} taxes XXXX .they keep increasing amount.adding taxes in which i pay the taxes yearly.
10/09/2019	No	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	UT 84067	Web
SN Mortgage Servicing ( SN ) claims that we owe a second mortgage with a balance of {$47000.00} ( see attached ). I have advised that we never owed money direct to SN servicing and asked them to prove up the validity of the debt via QWR ( see attached ). SN has refused to respond to the QWR, even after we have made two separate requests. This fraudulent mortgage claim was previously serviced by XXXX XXXX XXXX ( XXXX ). XXXX refused to verify to validate the debt, which led the case into litigation. XXXX transferred the alleged debt to SN to avoid he consequences of litigation. Since all of my debts have been discharged through a XXXX XXXX XXXX case, XXXX is trying to elude problems with the BK court as well. SN is in violation of the FDCPA, RESPA and HUD law, so I am seeking your assistance on this matter.
05/23/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NV 89142	Web
I am writing this complaint due to the fact that I was in the situation loosing my home, I did used a HUD Certified Agency to help me to save my home. Unfortunately my home was sold in a Trustee Sale for the amount of {$230000.00} and the unpaid debt was {$200000.00}, these is wrong because we bought the house for {$120000.00} never refinance, never borrower any funds from the property. My negative balance was {$69000.00} and the balance owned is {$78000.00} please see the support documents. Several time I have request the Final Payoff from the Servicer and never replied on the request, we have called and send an emails, and they never responded. I have the right what was the final negative balance owned, so I can recruit for the XXXX XXXX Records the different amount owed to me.
08/09/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60605	Web
My mortgage company, SN SERVICING CORP, XXXX XXXX XXXX, XXXX California XXXX, continues to charge me $ XXXX per month for forced place condo ( homeowners ) insurance. I have had my own condo insurance since XX/XX/2022. The condo insurance that I have is with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, policy number XXXX. I have mailed in a copy of Evidence of Property Insurance to my lender multiple times, additionally XXXX XXXX XXXX has mailed to my lender multiple copies of the Evidence of Property Insurance statement. I have called my lender numerous times to ask them to stop charging me for the forced place insurance. They will not return my calls. I need to cancel this forced place insurance. I can not afford to pay {$210.00} per month for absolutely nothing. Please help.
01/27/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 75052	Web
I have tried to have SN Servicing Corporation to send me statements for my mortgage they have not done that I have also requested them to explain to me why are you stating my loan is a conventional loan when I have never done a modification on my loan the mortgage was a FHA loan when i first signed my loan back in 2015 I have requested that any payments misapplied to the principal be applied towards the passed due payments. I have also requested for my now wife to be added to the mortgage and that still has not been completed. This lender has only sent me payment history from my prior lenders but has not been able to help me with providing me with accurate numbers. My letters have been mailed out too SN Servicing Corporation XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
03/28/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NJ 07110	Web
My secondary loan is in default, we were struggling to pay due to loss of job and income, now we are back on our feet and the company that bought the loan has ballooned it to double the amount it was XXXX not it is XXXX they have filed a foreclosure complaint against us and we are working to resolve and they will not budge, I have paid a lawyer to help mediate but they are saying we owe the whole amount and are being very persistent. We have XXXX children and I do not want to lose my home, I am looking for a reasonable solution. the last company that bought this account was willing to settle for a much lower amount and now that the new company bought the loan they will not accept the lower amount because my house has equity. Is there help or a program during this time?
06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 19142	Web
I currently making mortgage payments through SN Servicing Corporation. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.
10/08/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage Foreclosure	GA 312XX	Web	Servicemember
XXXX XXXX XXXX I was told to make wire transfer on XX/XX/2023 XXXX funds through XXXX XXXX XXXX The Company Information provide to me did not work, and I purchase a Cashier Check XX/XX/2023 and mailed to this address over night. To XXXX SN Servicing Corp XXXX XXXX XXXX XXXX XXXX CA XXXX, Cost about {$85.00} next day. I sent a copy to by email to XXXX XXXX XXXX of the Cashier Check for {$2000.00} and Recievied a call from ask what happen and I told her, I found a buyer for the House ans would close XX/XX/2023 and She replied call and make sure SNC recieved payment. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Company blocked my attempts to save my home.They provided incorrect information. Failed to honor in-process modifications.
08/30/2022	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA XXXXX	Web	Servicemember
Around XX/XX/2022 my XXXX XXXX XXXX was sold from XXXX XXXX to SN Servicing Corp. I was not pleased as I read review of the company and they habitually got XXXX star reviews from customers. But I set up Recurring online payments as I usually do and hoped for the best. I thought nothing of it until XXXX, when I got an email stating that my mortgage due amount had gone up from {$2300.00} to {$2800.00}. Shocked I read that they had been charging me a monthly Forced XXXX XXXX XXXX of nearly {$500.00} a month. Please keep in mind I already had an escrow account with insurance paid through the year. I am shocked by this business practice which I believe is illegal. I've never heard of anything similar but want this investigated immediately.
08/27/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NV 89015	Web
I have been working with SN Servicing for quite some time to reach some sort of settlement or loss prevention option. I have been assigned to a XXXX XXXX there who has been a nightmare to work with. Not only is she rude, but, she never returns any messages/emails etc. She has been difficult to communicate with and when we do, she seems to be really rude and impatient. I submitted my file over to her XXXX weeks ago on XX/XX/18 and she still has failed to call back. When i do call into their company they advise that they will have the file escalated to her Manager but nothing happens. Since the XXXX weeks, I have now received foreclosure notices on my door. I don't know what to do at this point as this have been increasingly frustrating.
08/01/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NE 681XX	Web
On XXXX XXXX our mortgage was sold to XXXX XXXX XXXX. We made payments to XXXX. In XX/XX/XXXX we were contacted by SN Servicing stating that we owed {$140000.00}. XXXX showed on our XXXX XXXX an outstanding balance of {$61000.00}. SN Servicing told us in the collection letter that we had the right to dispute any portion of this debt within 30 days or they would assume the debt was valid. We sent our dispute along with a Qualified Written Request for more information on XXXX XXXX. They received our dispute and the QWR on XX/XX/XXXX. To this date they have not responded with the information we requested. Now they have filed foreclosure for the disputed amount that they did not respond to validate their initial claim of {$140000.00}.
08/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21045	Web
I filed a complaint on XX/XX/2021 # XXXX-XXXX and today XX/XX/2021 I recieved a response back from my Mortgage company. They DID NOT address my issues that I am having with them. Also in their response they said I owe XX/XX/2021 mortgage which was paid in XXXX and I also have paid my XX/XX/2021 mortgage. Copies of cancelled checks are attached as well as the original complain that I filed. CFPB closed the complaint so I was not able to comment that they still have not fixed their mistakes on my mortgage payments that I made. As I have sent proof of the cancelled checks. Please see original complaint filed as well as SN Servicing Corporations response as well as my cancelled Mortgage payment checks that are attached. Thank you
03/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33351	Web
I do not remember the exact date but because I am in Bankruptcy they did not want to communicate with me and I emailed the company no luck I need my account to be corrected, my payments are not being applied properly, as of the last statement I received, I have over {$2000.00} holding escrow in my account and I am still being charged for monthly escrow and my payments are past due over {$5000.00}. My yearly escrow is {$740.00}, there is now way i should have that much funds sitting in escrow and my payments are that far past due, and their statements also not clear of how they break down the monthly payments as far ( regular payment and escrow amount that is due every month. I need help to have my account reviewed and corrected.
01/05/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ XXXXX	Web
I requested an electronic pay off statement from S.N. Servicing Company and S.N Servicing Company has not sent the pay-off statement. The attached let claims that they mailed the pay-off statement and I still have not received the electronic pay-off statement I requested. My original request was for an electronic pay-off statement to be included in their response because I would like everyone to know about what SN Servicing Company has sent me in the past. How am I going to sell my house if I don't get a pay off statement. I am requesting an electronic pay-off statement for XX/XX/2021 so I can try and get what is needed together to sell the house. I have attached the letter that they sent me.
01/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 115XX	Web
I submitted a loan modification package to SN Servicing Corporation on XX/XX/XXXX. On XX/XX/XXXX I received a letter of missing documents. On XX/XX/XXXX, I sent the servicer the documents they were requesting. They should have had a complete loan modification package by XX/XX/XXXX. On XX/XX/XXXX I received the letter of denial, how is it possible they that review my file in a short period of time? On XX/XX/XXXX I received a letter of sale. I feel like the servicer is more concerned about taking my home rather than giving me a fair chance to keep it. In the matter of about three business days they decided to deny my loan modification, how is that giving me a fair chance/
12/17/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ 074XX	Web
SN Servicing Corporation has informed me that XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX is the current holder of the note and the mortgage. I am requesting that you provide me an electronic copy of my pay-off letter to reflect charges as of XX/XX/21 The property address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please send the electronic copy of my pay-off letter back to me via the CFPB website with your response. The sooner I get the electronic copy of the pay-off letter the better. Right now I have a party very interested in the property and don't want to loose them. I have attached the letter from SN Servicing Company Please act ASAP Thank-You
07/27/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 080XX	Web	Older American
After having paid SN Servicing Corporation {$24000.00} in " Trial Payments '' and Good Faith Payments from XX/XX/XXXX to recently XX/XX/XXXX and not having missed ONE payment and having them falsely charge me late fees ( I have all my bank statements and Postal receipts to prove they received payments before the due dates ) they have offered me a bad loan ( I have consulted with ten different financial and legal firms who all confirm it is a bad loan mod ), and because I filed Chapter XXXX and I have questions concerning this loan mod, SN Servicing Corp REFUSES TO SPEAK WITH ME TODAY AND the Bankruptcy Firm that I filed with REFUSES TO RETURN MY CALLS. I need help.
02/14/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92503	Web
I WAS GOING THROUGH A LOAN MODIFICATION PROCESS WITH A LAW FIRM, WE HAD A HEARING ON XX/XX/XXXX, HOWEVER, THE BANK SOLD MY HOME AT AN AUCTION ON XX/XX/XXXX. THE BANK SAYS THEY TOLD THE LAW FIRM AND THE FIRM SAYS THAT SALE WAS POSTPONED, AT THE END I WAS NOT AWARE OF THE SALE UNTIL ANOTHER ATTORNEY TOLD ME ABOUT IT. I'VE BEEN AT MY HOME FOR 25 YEARS, STRUGGLING TO MAKE MY PAYMENTS, I WAS TRYING TO GET HELP AND I ENDED UP LOOSING MY HOME. NOW I AM WAITING FOR THE EVICTION NOTICE, MY SON, MY XXXX GRANDKIDS AND I DON'T HAVE A PLACE TO GO. I LOST MY HOME, MY EQUITY WHICH WAS ABOUT {$170000.00} DOLLARS AND MY CREDIT. I NEED YOU TO HELP ME, GUIDE ME WHAT TO DO.
01/10/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11743	Web
This complaint is the result of an ongoing issue with the servicer of my mortgage. After making several requests for a QWR in an attempt to get the name and contact information for the holder of the note, SN Servicing Corporation refuses to provide the information. They are in direct violation of federal law for refusing to disclose the name and contact information of the company who holds my note. They have also refused to provide the contact information for the note holders legal representation, attorney XXXX XXXX. XXXX XXXX, in his response to my previous complaint, also did not leave any contact information for either himself or the holder of the note.
07/13/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL XXXXX	Web
My loan was transferred to SN Servicing Company on XX/XX/2022. I was charged a late fee prior to the end of my forbearance. I received a statement regarding my escrow account. The letter stated that the escrow account was negative {$3000.00} and that the additional payment was {$200.00}. I requested an escrow analysis on XX/XX/XXXX according to my RESPA rights. I have not received a response from the mortgage company and it has been almost two months. I have continued to make the additional payment with no response from the company. The mortgage company also charged me a late fee in XXXX for not including the additional payment for the escrow shortage.
08/14/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 91706	Web
I paid interest only for the last 16 years, i paid approximately XXXX, my loan only XXXX During pandemic i failed to pay few interest payments approximately XXXX, i did modification but the company refused to waive that interest in order for me to be current, i resumed to make payments starting XX/XX/2021, but still owe the back interest of approximately XXXX I got cheated once this loan initiated, I didnt know its interest only, after 16 years of payments the principal still the same. I dont trust the mortgage company I feel they doing this practice on purpose to foreclosure on my home for XXXX, my house worth XXXX I need help to get back on track.
08/25/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38106	Web	Older American
Received Deferment repayment Agreement from my mortgage servicer, My mortgage servicer .They refuse to provide mortgage assistance to me. Our interest rate is still 13 percent, I elderly and in my seventies ' I have filed bankruptcy several times to keep my home out of foreclosure. My servicer has been unwilling to assist me and I'm now on a fixed income. I have been sent this agreement that is not affordable and I feel that I have not been offered the mortgage assistance that is available though the current mortgage mortgage assistance programs that have been set up for individuals that have been affected by covid-19 and other financial hardships
08/01/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 32837	Web
On XX/XX/2019 XXXX XXXX transfer my loan to SN SERVING CORPORATION to collects payment but SN SERVING CORPORATION never filed the transfer of ownership in the mortgage records. On XX/XX/19 via Certified Mail a request for RESPA QUALIFIED WRITTEN REQUEST; COMPLAINT; DISPUTE OF DEBT; VALIDATION OF DEBT; AND TILA REQUEST.I received a letter from the Attorney At Law XXXX XXXX. XXXX on XX/XX/19 said he was enables the servicer to identify the borrower and list information sought by the borrower.(see attach). I need the truth from SN SERVING CORPORATION ABOUT THE DEBT.I need the FBI and other Federal organization Investigate this type of fraudulent.
04/01/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21212	Web
SNSC and XXXX are involved in some sort of scam. While I was trying to cure the default the loan was turned over to XXXX. They've given different dates of when they got the loan and how much was owed. Now I can't get a payoff amount. SNSC said they can't tell me anything and I have to contact XXXX and ask for a lawyer named XXXX XXXX. I called XXXX and XXXX hasn't been with the firm in four years. I was never offered a loan modification or mediation. They are in the midst of an illegal foreclosure. I've been requesting a payoff statement since XXXX and they refuse to provide it. They are breaking Federal law 15 U.S. Code 1639g.
06/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95051	Web
SNSC was the loan servicer for one of my loans. My property taxes and insurance were escrowed and payment was not made on one of the APN ( property had two lots ). The lot was taken and I've had to pay penalties to get it back. I reached out to XXXX XXXX from SNSC by email on multiple occasions ( XX/XX/21, XX/XX/21 ) to get this issue resolved. I had spoken to her by phone prior to that as well. She told me if I sent in the property tax bill they would refund me but even after I did there was no response. It was their fault my lot was sold and I had to pay fees to get it back so they should take responsibility for their mistake.
11/17/2020	Yes	Money transfer, virtual currency, or money service Money order	Problem with customer service	FL 33435	Web	Older American
SN Servicing Corp. has an insurance check they need to sign and send back to me for rebuilding water damage to my home. The check has been there for 2 weeks and all they have to do is sign it. I provided a self addresses envelope with postage. They are holding up the rebuilding of my bedroom, bath and closet. My wife is XXXX years old and is in the final stages of XXXX. This has been very hard on her and myself. SN said they will get get to when they get to it. To me this is elderly abuse .All they have to do is sign it and put back in the mail .They have all required information that they required and yet they sit on the check.
05/02/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33578	Web
LENDER NOT RELEASING THE LIEN AFTER MORTGAGE PAID OFF : I had a mortgage on my property at XXXX XXXX XXXX XXXX, XXXX, Florida, that was serviced by SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX. Phone ( XXXX ) XXXX XXXX My Loan # XXXX I paid off this loan XX/XX/2022 and this was acknowledged by them. However till today XX/XX/2022 I have not received Satisfaction of mortgage or the lien release recorded with the county. I emailed numerous times and was told up to 2 months from pay off which was XX/XX/XXXX. Can you please get them to release the lien and send me the Satisfaction. Thank you XXXX XXXX XXXX XXXX XXXX
06/01/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 208XX	Web	Older American
Hello, My name is XXXX XXXX. I am trying to sell my home - XXXX XXXX XXXX XXXX, XXXX MD XXXX I made payment on time and my mortgage is current- but SN Servicing incorrectly applied the amount I paid and didnt count it against what I owed. XXXX XXXX - also makes things difficult in regards to doing the work needed to sell my home- because I can not keep it. My agent has a client who can take over the loan - do a loan assumption but they refuse to take the written letter I made for my agent to speak to them and then they dont call me back. Its absolutely horrible experience and I have to let go of my home.
11/23/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95822	Web	Older American
WHAT SN SERVICING IS FAILING TO REALIZE IS THAT I AM XXXX YEARS OLD. MY HUSBANDS INCOME WAS THE ONLY SOURCE OF INCOME ALONG WITH MY DAUGHTERS INCOME. AT XXXX BECAUSE THE LOAN IS UNDER MY NAME I HAVE TO MAKE INCOME TO SAVE MY HOME OF MANY YEARS. AT XXXX YEARS OLD HERE I AM CLEANING HOUSES, WASHING CLOTHES, IRONING CLOTHES, ANYTHING TO GET BY. I AM JUST UNTIL NOW STARTING TO MAKE MONEY AND CAN MOVE FORWARD WITH MAKING MY MONTHLY MORTGAGE PAYMENTS. I HAVE NOT OPENED A BANK ACCOUNT AS I REFUSE TO PAY THE BANK {$15.00} A MONTH TO PROVE MY INCOME TO SN SERVICING. I CAN USE THOSE {$15.00} TOWARDS THE MORTGAGE PAYMENT.
11/24/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 42503	Web
To whom it may concern : I have tried to work with my mortgage company and after failing to respond they denied my request for help because they placed a foreclosure sale date. I offered them a down payment for over half of what I was due after I file bk to stop the foreclosure sale date. Now they are refusing to give any updates. I don't have an attorney and I am trying to do everything I can to work with them. My counselor XXXX XXXX has also reached out to the current single point of contact XXXX XXXX. She has denied to communicate. We have advised them several times that there is no foreclosure attorney.
08/05/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MA 01902	Web
SNSC MORTGAGE failed to send auction notice to correct adresses to all parties Failed to process the loan modification application submitted well before the auction Provided them proof of funds to reinstate the loan .Denied to accept reinstatement went off to auction, even though provided them proof of funds for the reinstatement. 1 : Auction notices were not served or sent to us. Auction was defective 2 : Loan modification application is still pending 3 : reinstatement denied, provided them proof of funding to cover reinstatement amount. SNSN deceit us. we believe auction processes was defective.
10/12/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11210	Web
I have a mortgage with SN Servicing Corporation. They refuse to accept any of my payments since XXXX. The last payment I have made was on XX/XX/2022. I made a payment of {$12000.00}. They keep refusing my payments and are requesting $ XXXX. I admit that I had a check that did bounce due to COVID, but after that, they won't take anything from me. I tried speaking with them and they continue not to take my payments which is causing more fees. I am not trying to be behind with my payments and trying to avoid foreclosure. It is unfair to have my home foreclosed when they will not accept any payments.
08/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33126	Web
Morning, I have requested several times the payment of one of my mortgages, I have been trying to get this information for a month, they called me because I sent many emails claiming, but they told me they would send it to me and I have more than a week and nothing they send it, I no longer know who to talk to and who to contact, it is always a problem with this bank to make any claim, they work very badly, I am their client ... it does not seem that they. They are my client because I always have to point out the work that they do wrong and they still don't fit it ... I feel frustrated with them
09/12/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29020	Web	Older American
Original complaint XXXX, He bought up my entire past to justify what they are putting me trough to discredit me ... ..But now they are adding late charges when I pay the mtg automatically on the % th of the month. The latest date to pay is the XXXX which is noted on their own correspondences... .This is harassment. I have a XXXX XXXX, and XXXX at XXXX of age come XX/XX/XXXX... XXXX.I can not take much excitement ... He never answers the phone..He only calls when I complained ... ..What they are doing is stealing XXXX dollars a month and that adds up ... .I live on Social Security ... ....
01/28/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	GA 30039	Web
I have a foreclosure sale date of XX/XX/2018. I have submitted my offer to the bank for a short sale, and the bank is stating that they can not review the documentation due to the time frame. I feel as if i am about to lose my mind. I have been trying to maintain this mortgage for the last year. I had informed my lender that i was having trouble, I have tried my hardest, and I am desperate for help. I feel as if my lender is being unreasonable and they are not doing what the government says the lenders should to provide foreclosure alternatives to me ( as the homeowner ). Please help me.
04/23/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	MI 493XX	Web
I received a letter from XXXX XXXX XXXX SN Servicing Corporation, my mortgage company, dated XX/XX/21 with a demand for payment. The paperwork states that I have 30 days to dispute the debt. Instead of giving me 30 days to dispute the debt, I received a letter dated XX/XX/21 stating that they were beginning the foreclosure on my home and the sale is scheduled for XX/XX/21. They are proceeding on the foreclosure even though there is a foreclosure moratorium until XX/XX/21. I have also not been provided contact information or the ability to try to work out mortgage forbearance options.
10/19/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27295	Web
We have had our morgage with SN Servicing Corporation for many years. We have always made our payments and never had any problems. We went to make this months payment online and can not connect to their website no matter what device or internet browser we try so we try calling them and every phone number we have tried is disconnected. We have recieved no information about any changes to their business or contact information. I have tried emailing 3 times with no responces. Our house payment for this month is now past due and we still can't pay it or contact anyone.
04/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 45750	Web
No matter how much I pay on the loan they say I am behind. I have paid over 15,000 on the loan in the last year or less and they say I am behind. They keep charging late fees. If I had been more than a couple of payments behind they would have been for closing and they weren't. When I call them they tell me if I don't like the way they treat me I should refinance with someone else. Can you help They handle the loan for XXXX XXXX I did not take the loan out with them it was sold to them and they have always been trouble. SN Servicing Corp is in XXXX calif
10/13/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 601XX	Web
Due to coronavirus, my family has been struggling to pay for our mortgage. We applied for COVID 19 forebearance assistance with lender SN SERVICING CORPORATION. They did not approve us for assistance. This is ridiculous. They made us fill out an application and fax documents to prove our hardship. No other lender does this in America. Yes, we were behind in XXXX, but the lack of work due to lockdowns in Illinois, only furthered our ability to pay. Instead of helping us, they denied us, and now I am stuck with many, many late charges and unpaid balance.
07/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23701	Web
This complaint is about ( forced place insur ) XXXX insurance put on my mortgage paid bye my previous mortgage servicer XXXX XXXX XXXX XXXX XXXX XXXX notice to me saying they are no longer servicing the loan and that i will have a new servicing company S/N Servicing XXXX XXXX says that there are no changes to the loan except to mail it to the new company. XXXX New mortgage company starts charging me forced place insurance XXXX I ask S/N why are they taking out forced place insurance when there is a policy already in place, they would not respond back.
06/13/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33073	Web
Our loan was transfered from XXXX XXXX XXXX XXXX to SN Servicing Corporation officially XX/XX/23. We received notice from XXXX on XX/XX/23. However we didn't receive notice from SN Servicing until XX/XX/23, almost a full month past the official transfer date. I had to call them XX/XX/23 to find out the loan number and the mortgage amount to be payed. As of now they still haven't sent a mortgage statement. This loan was transfered at the end of a XXXX XXXX bankruptcy and we'd like to make sure all the financial data is correct. But we are unable to do so.
07/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08520	Web	Older American
When my XX/XX/22 mortgage did not get deducted from my bank account I called my mortgage company. They told me my loan was sold to SN Servicing Corp. I did not receive a statement from the new company or a way to set up auto payments. Instead I received a debt collection letter. When I tried to call the new company at the number provided XXXX I kept getting disconnected. It is a disgrace that a transfer of mortgage is handled so poorly. I need a way to set up payment. This company should be shut down for their incompetence which could impact my credit.
05/07/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	XXXXX	Web
I have an FHA mortgage loan, I believe SN Serving Corp is robbing us blind with interest payment over {$17000.00} for XXXX and the XXXX mortgage statement stated we owe XXXX, and XXXX say that we owe XXXX. we need help because we paid over XXXX annually for a mortgage payments. We have a modification interest rate of 6.5 %. I have paid this company since modification XXXX within 3 years and my mortgage have not moved. We need help because they are really hurting our finances. I have the 1098Mortage statement to proof this company is ripping us off
07/29/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	SC 29203	Web	Older American
i want to know why thee is no help for people who have a fha mortage assitant program for people who behind with mortage payments who was behing with payments because they lost there income for 9 months because of pandemic but they have arental assisant program in sc for renters but none for people with mortages who facing the end of moritorim end of XXXX to keep there house out of forclosure give them a light line of people who had there house for 15 yrs or more facing this dilemma wrote XXXX XXXX no anwer in 2 months from white house on helping
07/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 312XX	Web
I contacted SN SERVICING CORP in XX/XX/2021 after discovering the error concerning my Mortgage terms on the amount of years and the principal balance. I received the SN Servicing response on XX/XX/2021, SN Servicing agreed with my concerns and stated that their records indicated that my mortgage balance was {$74000.00}. However, when i requested a payoff up to XX/XX/2021, the customer service rep immediately got flustered and place me on hold for an extended period of Time, when she returned to the phone she stated my balance was over $ XXXX
01/28/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33328	Web	Servicemember
I am getting messages from Sn Servicing that Im unable to make online payments. When you contact their XXXX number you get no assistance but to leave a message and no one calls you back. I was able to make my payment online to them last month and now Im not able too. For some reason Im being blocked. I am also paying more on my mortgage amount not escrow amount that I originally signed for when my mortgage was done back in 2004. Im also being told I owe payments which were made but prior servicing company isnt reporting those payments at all.
11/09/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 335XX	Web
SN Servicing Corporation is forcing me to add to their name to my XXXX XXXX policy as payee or forcing me to pay an incredibly high insurance for hazard coverage. I already have hazard coverage through both my XXXX XXXX XXXX and my own condo insurance through XXXX XXXX. I believe SN Servicing is incentivizing condo homeowners and XXXX to commit insurance fraud by requesting to be illegally added to XXXX XXXX XXXX and deceptively forcing homeowners to pay high insurance fees if they are not added. Their practices are unfair and predatory.
03/03/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	KY XXXXX	Web
Due to the covid protection I filed months ago requesting assistance/help in paying my mortgage. I filled out the appropriate paperwork with my mortgage company. I continue to contact them and all they tell me is there is no information. They state there is no way for me to check the status of my requests either. We are now months after I submitted this assistance/request and still nothing from my mortgage company. I thought there was supposed to be assistance for people struggling with income and not being able to make mortgage payments.
04/27/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38119	Web
I entered into forbearance in 2020. At the end of my forbearance my mortgage company required a large good faith payment, along with doubling my monthly payments. I asked if I could get a deferral and was denied. A deferral would allow me time to refinance with a cash out and pay back the missed payments. They are not being helpful and I'm met with resistance with every suggestion. I can pay my monthly payments, but asking me to double the payments puts more strain on my finances, meaning I would have to default on other debts.
07/02/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 919XX	Web
the lender purshase my loan and cancel the insurance that was escrowed the incrise my payment from XXXX to XXXX XXXX, wene i ask them the reason they said it was for escrow cushing and i compaint that it was to much and she told me it was a normal increase but, she did not told me they added their one insurance for XXXX a month and the old XXXX was XXXX a year, it is a renters insurance the lady that is in charge of my loan is XXXX XXXX and she is the only one that soposible can help with the loan but she is very rude
02/13/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 91324	Web
I received a letter from this Alleged Servicer SN Servicing Corporation in XX/XX/2020 demanding payment for the Amount of {$12000.00}. I'm disputing the total amount claiming in its letter Plus the Standing to be a Debt Collector Please see my Dispute Letter and including 4 Attachments in regards. I would like ask urgently to the CFPB this issue be look by US Regulator because I believe I been victim of MORTGAGE SERVICE FRAUD. Please look for reference CFPB inquire # XXXX against the alleged Trustee XXXX XXXX.
04/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20019	Web	Older American
I have had several complaints with this mortgage company. Funds were paid to the company on my behalf in the amount of {$34000.00}. I have ask for any elementary explanation of how the money was applied. The amount owed was {$27000.00}. I have ask how the funds where applied and where is the remaining amount. They have since sent me a spreadsheet with language only they would understand. I want it explained to me as if I was a XXXX XXXX XXXX so it's clear where and how the funds were disturbed.
08/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	NJ 08817	Web
Sn servicing has collected money towards maintaining an escrow account to pay insurance and taxes. They have yet to make any payment to our insurance company, and as a result the out was canceled effective XX/XX/XXXX. XXXX reached out to them multiple times requesting payment, with no response. In XX/XX/XXXXXXXX the mortgage company claimed not to find any information on the insurance policy, and I sent them emails with all of the relevant information. Yet they apparently never made a payment.
06/20/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 76002	Web	Older American
Due to illness I file chapter XXXX in XX/XX/XXXX trying to safe my home I was 2-3 months behind. I stop the bankruptcy but continue paying my full amount of the House note. I have never missed a payment since. They have been charging late fees and reporting serious late payment to the credit bureau up to now. I should have been completely paid my house off. But due to all these unexpected fees and there lawyer fees Im still paying. Bought the house in XX/XX/XXXX. My loan have been sold 5 time.
08/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37207	Web
In XX/XX/XXXX, my mortgage loan was sold to a company SN servicing corporation. Since my loan was sold, I have not received any communication vis mail or email regarding billing statements or my loan terms. I have submitted several requests for a copy of my billing statement so I can begin to make mortgage payments. requests were submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response from lender. There is no indication of any loan terms on the company website.
05/17/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07026	Web
I entered into an agreement on XX/XX/XXXX to get out of foreclosure and have made every payment on time, including the required 'good faith ' payments. The Modification paperwork was signed and returned by XX/XX/XXXX. As of XX/XX/XXXX I have not received a countersigned modification. The servicers website does not reflect the permanent modification. And, I am being charged late fees, dispute not missing any required payments since you entered the XXXX in XX/XX/XXXX.
10/20/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TN XXXXX	Web	Older American
On XX/XX/2022 I XXXX XXXX XXXX XXXX file for a Modification with SN Servicing Corporation, I was denial because SN stated that the lend holder XXXX XXXX XXXX XXXX XXXX, as XXXX XXXXXXXX XXXX XXXX. Doesn't do modification. I have has modification before from the previous mortgage company like XXXX XXXX who transfer my mortgage to XXXX XXXX which is still the same servicing as SN Servicing under the holder. I will be providing document of the application and denial.
08/03/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MN 55378	Web
To whom it may concern : I have been trying to get a help from my mortgage company but they have been unresponsive. I now have a foreclosure sale date and about to lose my home because my lender is not responding. I reached out to a counselor to get help because I have not been successful with my lender. XXXX XXXX reached out to her today and submitted the loan modification paperwork. I hope that this complaint will get there attention in getting assistance.
11/29/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	MD 21206	Web
I have a ratified sales contract to sell my property on XX/XX/XXXX. However, the property is scheduled for sale on XX/XX/XXXX. The ratified purchase contract was provided to SN Servicing Corp and their counsel XXXX, XXXX, XXXX XXXX XXXX XXXX. It was advised that I didn't have the right to sell my property. I am the owner of the record and currently being foreclosed on, so I don't understand how I am not the owner. Please help me save my property.
05/30/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 92544	Web
SN Servicing h as been lying to me thinking I 'm under review for a loan modification/ loan work out since last year and no I found out that they have set a foreclosure sale date for XX/XX/2017 . I also found out that on the notice of sale they have increased my loan balance from {$49000.00} to {$85000.00} in just 3 days. Please help me sin ce SN Mor tgage is taking advantage of my and my family. Thank you XXXX XXXX
08/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94605	Web
XXXX XXXX sold my loan to sn Servicing on XXXX 2015 at the time of this purchase I was current on all payments. I notified SN Servicing for a monthly statement and it showed delinquent payments. I have documented receipt showing all payments made and they are currently being paid for current payment for XXXX 2015. At this I am not giving any payment towards back pay because they have already been made, I would like to resolve this matter asap.
02/06/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 28144	Web
This loan was a consolidation of XXXX, then it was a XXXX XXXX XX/XX/XXXX. Was only support to be one they given me both. They correct it, but not on paper.They loan when to XXXX XXXX ( XXXX ) Then they changed it to Mortgage line of credit. Then I filed for bankruptcy ( XXXX ). My husband passed away and I filed for XXXX XXXX. Then it when to Sn servicing then it changed to a Mortgage. They foreclosure on the property they don't owe.
08/02/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	RI 028XX	Web
We fell behind, due to some costly issues with the house, cars, family expenses! We tried to modify but the company wanted a good faith payment of XXXX. We didnt have it. So a representative suggested I file bankruptcy. The mortgage company had been sold 4 times, each time I proved I was keeping up on the insurance, but they keep adding XXXX on top of all the missed payments. I have home owners Insurance that has never lapsed.
02/09/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75154	Web
Home was closed on in XX/XX/XXXX, conventional loan with XXXX XXXX XXXX, payments made were never reported to credit bureau, after being told of payments were made on time for first XXXX months, home would be refinanced with lower XXXX, called and company said they do not do that, loss mitigation packet was completed in XXXX of XXXX, never received answer til XXXX of XXXX where I was denied due to lack of income.
08/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 493XX	Web	Older American
I got a loan for XXXX on 18 acres with mobile home in 1997. Then loan was sold to XXXX XXXX XXXX, then they sold loan to SN Servicing LLC, then back to XXXX XXXX XXXX, then back to SN Servicing. My loan amount went up to XXXX plus. Then at one point they said I owed XXXX on loan. After 23 years they say I owe XXXX plus yet. I am XXXX I have paid over XXXX over 23 years why am I still paying on this??
11/25/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL XXXXX	Web
SN SERVICING CORPORATION ( servicer ) is filing foreclosure on my home on behalf of XXXX XXXX XXXX TRUST a nonexistent trust/entity according to Securities and Exchange Commission records. They are perpetuating fraud on the court to claim ownership on my home as this alleged trust was never formed/created with no Pool and Servicing Agreements to show that they are a party of interest.
11/18/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 95843	Web
We try to submit a modification packet every month but the bank continues to decline by asking for a 6 months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.
03/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DC 20019	Web
Requested a loan modification 3 times working with a community organization. The note holder also paid HOA fees in the amount of {$13000.00} and demanding unreasonable repayment options. The note holder also refuses to reduce the interest rate of 6.50 %. This company I believe is trying to make it almost impossible to stay in my property I purchased in 2004.
10/14/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91702	Web
SN SERVICING CORPORATION IS NEGLIGENT AND INCOMPETENT AND FAILED TO COMMUNICATE AND FAILED TO PAY MY HOME INSURANCE. THEIR SERVICE IS HORRIBLE AND PUT MENTAL STRESS ON MY WELL BEING. THERE IS A LACK OF COMMUNICATION AND RESPONSIBILITY ON THEIR PART, I ALWAYS HAVE TO TAKE THE INITIATIVE TO HAVE THINGS DONE WITH THIS HORRIBLE LOAN SERVICING COMPANY.
10/07/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11743	Web
In regards to my loan that has recently been transferred to SN Servicing Corporation. Further, we are requesting and have not received a QWR. There are also irregularities in the modification for {$220000.00} forgiveness amount. Please see modification attached. Account number : XXXX Thank you, XXXX XXXX
12/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 454XX	Web	Servicemember
There is an attorney fee/foreclosure expense fee placed on my account, the mortgage has not been in foreclosure, I asked for 12 months of statements and explanation of why this charge was assessed, since account is in good standing and current, I have not gotten a response, it has been 6 months.
09/15/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 75154	Web
Misled to think that after 6 months of on-time payments, apr of 10 % would be decreased. However, company said there was no such option. Also, after speaking with non-profit counseling, they stated that at the time I closed on house, conventional loans were between 2.25-3.87, not 10 %.
01/11/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ XXXXX	Web
I still have not received the electronic copy of the pay-off statement from SN Servicing Company. I need SN Servicing Company to send me an electronic copy of the standard pay-off statement dated for XX/XX/21 Please take a look at the attached letters. This is an equitable property.
10/01/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	SC 29732	Web
I was told when I purchased a home in XXXX that I was a home owner, I lost my job in XXXX and I fell behind on payments I asked to do a short sell and was told I could n't because the property is not in my name. I ca n't even receive assistance from companies to catch the payments up.
03/16/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 33166	Web
because of covid 19 i missed payment. i amppaying now the mortgage payment every month. i have a balance and want some help to be up to date. i had lost my job before. now i am able to pay the payment not the old balance, i need help thanks
06/21/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	MA 02155	Web	Older American
This is a pick a pay loan that was found by the courts to be illegal. Tried to get a loan mod since XXXX .sn.servicing sent me loan mod packet .then said we owe to much to quality. Its not my fault XXXX XXXX dragged there feet for 11 years
09/14/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32256	Web
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
04/12/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 130XX	Web
I did not get paid during XXXX for rent from my tenants so I was unable to make my mortgage payments therefore because of this I have had to sell my rental property. Now awaiting the sale the mortgage company is trying to foreclose
09/18/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48236	Web
SN Servicing holds my loan payments to inflate my days delinquent. I have been unemployed due to covid-19 they have not tried to work with me. We did file bankruptcy but I still see all the late charges listed on the statement.
12/31/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48236	Web
SN Servicing Corporation is not recording my mortage payments on my statement. Every statement I receive does not reflect my mortgage payments. Also, this loan was included in bankruptcy, but late fees are on the statement.
12/07/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	NY 120XX	Web	Servicemember
The servicer does not send me a monthly bill for my HELOC without issue. I do not have online access either even though it has been requested. Since the amount fluctuates, its important that I receive a bill.
12/16/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75104	Web
We submitted an application for assistance to SN Servicing. The asset manager, XXXX XXXX is refusing to cooperate with our company to move the file forward for consideration of a workout.
05/28/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 08723	Web
XXXX XXXX XXXX XXXX XXXXXXXX has sold our mortgage 3 x to serving companies that want full payment of arrears paid up front and we could not due at this point around {$400000.00}
12/14/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33156	Web
XXXX was sold and requested documents to validate legality of debt. Have not received any documents after letter requesting all documents was sent XX/XX/2022.
11/20/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ 074XX	Web
I am requesting that SN Servicing Company reply with an electronic pay off statement for my XXXX XXXX XXXX XXXX, XXXX house.
02/07/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	RI 028XX	Web
Ive been working with XXXX XXXX submitted all paperwork for a modification. With no response. This was in XXXX.
03/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 025XX	Web	Older American
I have been trying to catch up they refused to apply payments to my account ihave paid XXXX
02/06/2024	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	SC 29070	Postal mail

02/02/2024	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage Foreclosure	NY 10977	Web	Servicemember

02/01/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	DC 20019	Web

02/01/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	NY 105XX	Web	Servicemember

01/31/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	TX 76667	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	CA 92131	Web

01/09/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Loan sold or transferred to another company	TX 76667	Web

01/08/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage An existing modification, forbearance plan, short sale, or other loss mitigation relief	MD 21117	Web

01/04/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	CO 81133	Web

01/03/2024	Yes	Mortgage FHA mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	SC 29229	Web

01/02/2024	Yes	Mortgage FHA mortgage	Struggling to pay mortgage Foreclosure	SC 29229	Web

01/02/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	CT 06095	Web	Servicemember

12/29/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage An existing modification, forbearance plan, short sale, or other loss mitigation relief	MO 63119	Web	Older American

12/27/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	GA 30088	Phone	Older American

12/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Paying off the loan	OH 45432	Phone	Older American, Servicemember

12/21/2023	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information is missing that should be on the report	NY 119XX	Web	Older American

11/29/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	CA 94404	Web

11/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	CO XXXXX	Web

11/20/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	NY 14305	Web

11/10/2023	Yes	Mortgage FHA mortgage	Closing on a mortgage Closing disclosure or other related disclosures	SC 29229	Web

10/30/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	TX 77493	Web

10/28/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage Closing disclosure or other related disclosures	SC 29229	Web

09/22/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	CT 06096	Web

09/22/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	FL 32193	Phone	Older American

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11717	Web

09/18/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process Payment process	FL 33024	Phone	Servicemember

09/14/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 92870	Phone

09/14/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60046	Web

09/14/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60046	Web

09/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	CA 94118	Phone	Older American

08/18/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 54313	Phone

07/13/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32317	Web	Servicemember

07/13/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02124	Web

07/10/2023	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33012	Web

06/20/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85015	Web

06/05/2023	Yes	Mortgage VA mortgage	Trouble during payment process	PA 17566	Web	Servicemember

05/18/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 01821	Web

05/09/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20874	Web

05/03/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 08360	Web

04/26/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 023XX	Web

04/12/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 95008	Web	Older American

03/21/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21117	Web

03/16/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	WA 985XX	Web	Older American, Servicemember

03/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70764	Phone

02/16/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29229	Web

02/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11201	Web

02/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60430	Web

01/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 16354	Web	Older American

01/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70764	Phone

01/11/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 70471	Referral	Older American

12/30/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07601	Web

12/21/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60712	Web	Servicemember

11/17/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 08083	Web

11/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20748	Web

10/17/2022	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	MI 48601	Web

10/11/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VT 05859	Web

10/11/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70764	Phone

09/29/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70764	Phone

09/27/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	DE 19801	Web

09/20/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30016	Phone

08/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95670	Web

08/25/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	VA 23608	Referral

08/16/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07001	Web

08/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38457	Web

08/09/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37922	Phone

08/05/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11557	Web

07/18/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 30252	Web

07/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70807	Referral

07/07/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 95023	Phone

06/27/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33179	Referral

06/23/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93711	Web

05/19/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70764	Phone

05/10/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OH 44001	Phone

05/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21207	Phone

05/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 15201	Web

04/28/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10308	Referral

04/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11743	Referral

04/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07306	Postal mail

04/18/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28762	Web

04/16/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10312	Web	Servicemember

04/07/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	DC 20019	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94591	Web

03/29/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07306	Referral

03/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21237	Web

03/07/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11235	Web

03/04/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MA 02151	Referral

03/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90255	Web

02/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95206	Referral

02/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02151	Web

02/02/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 20720	Phone

01/28/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 20735	Phone

01/28/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 92024	Web

01/24/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30308	Referral

01/20/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 021XX	Web

01/19/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	AK 99505	Phone	Servicemember

01/12/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 20720	Web

01/06/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60487	Referral

01/03/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02151	Phone

12/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77879	Referral

12/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR 97229	Phone	Servicemember

12/17/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89129	Web	Older American, Servicemember

12/14/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	WA 98039	Web

12/13/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30349	Phone

12/07/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60473	Web

12/01/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30296	Web

12/01/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	WA 98039	Web

11/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70764	Phone

11/15/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07601	Web

11/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20017	Web

11/03/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 70117	Web

10/22/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 15071	Web

10/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33936	Phone	Older American

10/18/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	MA 02780	Phone

09/27/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38125	Phone

09/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20020	Phone

09/15/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60431	Web	Older American

09/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60649	Web	Older American

09/03/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 01930	Postal mail

09/03/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	VA 22304	Referral

08/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90255	Phone

08/16/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89509	Web	Servicemember

08/02/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	AZ 85365	Web

07/31/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89509	Web	Servicemember

07/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92345	Web

07/27/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 23900	Phone	Older American

07/27/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MS 38829	Phone

07/27/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information belongs to someone else	MO 63115	Postal mail

07/16/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 92870	Phone	Older American

07/12/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DE 19702	Web

07/01/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	DC 20019	Web

06/25/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33311	Web

06/21/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PA 15672	Web

06/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23221	Web

06/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38016	Referral

06/07/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CT 06902	Referral

06/03/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48094	Web	Servicemember

05/26/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91204	Referral

05/17/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70764	Phone

04/28/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR 97524	Web	Servicemember

04/28/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MS 39212	Web	Older American

04/16/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92647	Web

04/16/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

04/12/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 35769	Referral

04/08/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 23234	Web

03/31/2021	Yes	Mortgage Conventional home mortgage	Unable to get your credit report or credit score Other problem getting your report or credit score		Phone	Older American

03/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90631	Web

03/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone	Older American

03/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70764	Phone

02/26/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 34786	Web

02/06/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02124	Web

02/03/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 20874	Web

01/23/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92647	Web

01/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 328XX	Web

01/07/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27405	Web

01/07/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92007	Web

12/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91324	Referral

12/21/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TN 38016	Referral

12/15/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MD 20874	Web

12/10/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TN 38016	Referral

12/06/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	HI 96839	Web

12/02/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95212	Web

12/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70807	Referral

11/08/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 98270	Referral

10/28/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19135	Web

10/27/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 91311	Postal mail

10/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91311	Postal mail

10/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35117	Web	Servicemember

10/21/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92020	Web

10/19/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33584	Web

10/16/2020	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 11229	Referral

10/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 63135	Phone

10/10/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NJ 07446	Referral

10/08/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 36078	Referral

10/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70520	Postal mail

10/05/2020	No	Mortgage FHA mortgage	Closing on a mortgage	DC 20019	Web

10/02/2020	No	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92262	Web

09/28/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20905	Web

09/04/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60466	Web

08/26/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20721	Phone

08/26/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34608	Phone	Older American

08/25/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70764	Phone

08/21/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33936	Phone	Older American

08/14/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34608	Phone	Older American

08/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NH 030XX	Web	Older American

08/02/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AL 35769	Web

08/02/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web

07/31/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34608	Phone	Older American

07/20/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60478	Phone	Older American

07/15/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08873	Web

07/14/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92691	Web

07/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21117	Postal mail

06/24/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90242	Referral

06/04/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30039	Web

06/01/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07018	Web

05/24/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92817	Web

05/20/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information is missing that should be on the report		Phone

05/13/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92691	Web

04/28/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28461	Web

04/24/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07825	Web

04/23/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DE 19702	Web

04/17/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NV 89460	Web

04/11/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30039	Web

04/06/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30039	Web

03/31/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 28711	Web

03/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07825	Web

03/16/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07825	Web

03/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07825	Web

03/09/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70764	Phone

02/25/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11235	Referral

02/21/2020	Yes	Mortgage Other type of mortgage	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 44305	Phone

02/07/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	IL 60478	Postal mail

02/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01524	Web	Older American

01/29/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02124	Referral

01/29/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	MA 02141	Referral

01/28/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	MA 02719	Web

01/28/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	PA 19501	Web

01/28/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 91324	Referral

01/25/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	CA 90240	Referral

01/10/2020	No	Mortgage Other type of mortgage	Trouble during payment process	OH 45750	Referral

01/06/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11570	Referral

12/23/2019	No	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NJ 07017	Web

12/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30039	Web

12/17/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32208	Web

12/07/2019	No	Mortgage Conventional home mortgage	Trouble during payment process	MI 48236	Web

12/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70130	Postal mail

11/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33261	Referral

11/03/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33313	Web

11/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11530	Web

10/31/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21117	Web

10/18/2019	No	Mortgage Conventional home mortgage	Trouble during payment process		Phone

10/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94531	Web	Older American

09/25/2019	No	Mortgage Conventional home mortgage	Trouble during payment process	LA 70764	Phone

08/30/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	MA 02301	Referral

08/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21120	Postal mail

08/27/2019	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	FL 33936	Phone	Older American

08/19/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90001	Web

08/08/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34786	Web	Older American

08/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

08/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 13456	Web	Servicemember

07/17/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33010	Phone

06/15/2019	No	Mortgage Other type of mortgage	Trouble during payment process	MI 48098	Web

06/15/2019	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07604	Referral

06/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR 72206	Postal mail

05/30/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	VT 05758	Referral

05/28/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60637	Web

05/24/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 43213	Web	Older American

04/23/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NY 11706	Web

04/12/2019	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11743	Web

04/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92281	Phone	Older American

03/13/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34786	Referral

03/06/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 19124	Web

03/06/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 44137	Postal mail

02/26/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 20120	Referral

02/21/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

02/05/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IN 47371	Web	Servicemember

02/02/2019	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75115	Web

01/29/2019	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11575	Phone	Older American

01/14/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	IL 60628	Web

01/04/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02130	Web	Older American

12/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29020	Phone

12/21/2018	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85226	Web

11/23/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 07747	Referral

10/22/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89117	Fax

10/22/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 08312	Postal mail

10/11/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11530	Web

09/25/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	GA 30097	Web

09/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30013	Postal mail

08/15/2018	Yes	Mortgage Other type of mortgage	Closing on a mortgage	SC 29835	Fax

08/14/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	FL 34266	Referral

08/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28557	Web

08/01/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours		Fax

07/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MS 39212	Web

07/30/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33948	Web

07/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 62234	Postal mail

06/27/2018	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 44137	Postal mail

06/13/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92324	Web

06/08/2018	No	Mortgage FHA mortgage	Struggling to pay mortgage	CA 90303	Web	Servicemember

06/05/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60069	Referral

05/23/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28658	Phone

05/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76085	Postal mail

05/22/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MA XXXXX	Web

05/22/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11520	Referral

04/21/2018	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 42348	Web

04/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 45240	Referral

04/06/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	LA 70437	Referral

04/02/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	IL 60621	Referral

03/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30134	Referral

03/26/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CT 06441	Referral

03/02/2018	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 70437	Web

02/22/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MD 20607	Referral

01/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06441	Referral

12/28/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

12/11/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20650	Web	Older American, Servicemember

11/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75126	Web

11/27/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29407	Web

11/09/2017	Yes	Debt collection Mortgage debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33130	Web

11/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29461	Postal mail

10/06/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MD 21620	Fax	Servicemember

09/15/2017	No	Mortgage Other type of mortgage	Trouble during payment process	IL 60628	Web

07/17/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	GA 30135	Phone

06/19/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 28396	Web

06/08/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07666	Referral

05/10/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91017	Web

04/30/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91017	Web

03/17/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60628	Web

03/17/2017	Yes	Mortgage Other mortgage	Other	IL 60436	Postal mail

03/09/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92544	Web

03/09/2017	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91016	Web

03/03/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	SC 29720	Fax

02/17/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 21282	Postal mail	Older American

02/16/2017	Yes	Mortgage Other mortgage	Other	NJ 07062	Referral

02/09/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	WI 54469	Referral

02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30296	Referral

01/27/2017	No	Mortgage Other mortgage	Other	CA 94590	Referral

12/20/2016	Yes	Mortgage Other mortgage	Other	NY 10974	Referral

12/13/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60628	Web

11/30/2016	Yes	Mortgage Other mortgage	Other	NY 10705	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

11/01/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 28078	Web

10/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27406	Phone	Older American, Servicemember

10/18/2016	No	Mortgage Other mortgage	Other	NY 10705	Referral

10/17/2016	No	Mortgage Other mortgage	Other	NY 10705	Postal mail

10/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60628	Web

06/30/2016	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33483	Postal mail	Older American, Servicemember

06/24/2016	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 53209	Web

06/17/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60643	Referral

05/20/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31907	Phone	Older American

05/04/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MI 48235	Phone

03/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07621	Web

03/02/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 78504	Referral

12/15/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	AL 35405	Referral

12/07/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	KS 67220	Referral

11/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33084	Referral

10/09/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32223	Web

09/19/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33317	Web

09/18/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	GA 31907	Phone	Older American

09/18/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 31907	Phone

09/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11790	Web

09/04/2015	No	Mortgage Other mortgage	Other	FL 32246	Referral

08/30/2015	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 07626	Web

08/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IL 60643	Web

08/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 91406	Web

07/21/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33023	Referral

07/06/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 49707	Referral

06/30/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60431	Referral

05/19/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	KY 41230	Referral

05/04/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

02/05/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92028	Web

02/04/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33610	Web

02/04/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 34772	Web

01/21/2015	No	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OH 43232	Web	Older American

01/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 35952	Web

01/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21758	Phone

01/06/2015	No	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MS 39083	Web

10/24/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33084	Phone	Older American

08/13/2014	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CT 06106	Web	Older American

07/09/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32084	Phone	Older American

05/20/2014	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IN 46923	Web	Older American

05/14/2014	No	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	NJ 08854	Referral

05/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 41230	Web

03/31/2014	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32206	Web

02/26/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76002	Web

12/31/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NC 28216	Web

12/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 41230	Phone

11/27/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 76008	Referral

11/27/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76008	Referral

10/23/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	FL 34432	Web	Older American

08/15/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48346	Referral

07/21/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 96109	Web

07/19/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 63670	Postal mail

07/17/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33161	Web

05/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WA 98122	Web

03/11/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 91935	Phone	Older American

03/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28768	Web

01/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 49503	Phone

10/26/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90032	Postal mail

09/21/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 13815	Postal mail

09/05/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48346	Postal mail

06/07/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11422	Postal mail

06/07/2012	Yes	Mortgage Other mortgage	Other	FL 33071	Postal mail

05/04/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27406	Phone