Consumer complaint received 2022-10-26
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is, XXXX XXXX, and I have a request from you for an amount of {$990.00} plus fees. Recently, I have had a rough last six months. It is no excuse for not getting back with you sooner and even if you are a priority, it is sometimes the little things in life like, oh lets say, keeping your husband alive where you push your focus on just living to the next day. I still cant wrap my mind around the incident. Back on XX/XX/2022, my husband and I decided to finish removing overgrowth around our back yard, which is far from our home. We had borrowed a small tractor with a metal bucket on the front. As we worked, it started to get hot and so are we. On this day, we were supposed to also sign a refi on our mortgage but even that situation didnt happen. What I remember on that day was that my husband of 44 years died in my arms. 
XXXX walked around trying to find somewhere to sit down and of course, he picks to sit down inside the metal buckets of the tractor. I took a drink of water and seen XXXX head was leaning back against the metal buckets. He was having a XXXX XXXX. The first thing I did was to say a prayer as I called XXXX. Thanking XXXX he was with me. 
XXXX was dead weight at this time. I couldnt lie him down because of the metal bucket that he was leaning into. So I asked XXXX, Dont let me panic, first of all. Fixing the phone where I would be able to talk with the XXXX operator, I then had to hold XXXX head up so that he could breath but he wasnt breathing. I listened and heard XXXX say, the breath will come through the stomach so without thinking I punch XXXX in the stomach. He took a deep breath. 
Then I heard, you love him. I knew that meant pump on his heart but he wasnt lying down. He was sitting up. You love him, I heard again. So my hand made a fist and started to pound on his heart. While thinking it has to be hard enough pressure to get to his heart, so how much do I love him. A lot! So I kept pounding until I heard his heart beat with my ear. He needs to wake up. So my hand went to his face and I started slapping him. 
At this point, I said out loud to myself, Now I get to slap you. I did this repeatedly. Breath, love, and open your eyes. It seemed like hours. It wasnt but a minute or two, and XXXX was asking me why I was hitting him. He awoke as if he just fainted for a second. I knew better than that. He stood up and walked over and set on the back of the mower. The XXXX was finally coming. 
Those guys even brought the stretcher all the way back behind the-house. XXXX was speaking by now clearly to the XXXX. His XXXX XXXX was slightly elevated but nothing to be concerned about. They even mention that they thought that XXXX probably was dehydrated but my reaction was that it had to be much more. As the EMTS started the monitoring of XXXX heart beat, I noticed that they never said anything to XXXX or I, but they shared the sheet of paper among themselves and that XXXX shouldnt even walk to the gurney. XXXX stood up and walked to the gurney. 
They immediately took him to the hospital. I had to wait for my granddaughter to get home from culinary school, so when we finally get to the hospital, XXXX was already in XXXX. The doctor told me he had a 100 % blockage where the blood was not pumping through his heart but behind his heart and that it took two stents instead of just one. Since it happened, it has been hard trying to get to the right doctors with the right medications. Its very daunting. We have been married for 44 years. We married when he was sixteen and I just turned 20. So being older you would think I would have the blockage but to lose someone so quickly. Blows your mind! I praise XXXX because he kept me going where I could have lost my love. Im blessed.

However, two months later I get XXXX, my granddaughter gets XXXX, then my husband as well. I literally had it for a solid month. Everyone else only had it a week but not me. No, I had it a whole month not being able to breath through my nose or even to think straight. My nose was so sore and red as a beet. Finally, I started feeling better than death warmed over, so hopefully I can get this situation finalized. 
First, On XX/XX/2022, my husband had a XXXX XXXX, and it was also the day were supposed to refi with another mortgage loan. In process of getting the loan, the mortgage holder wanted an update on our mortgage. Therefore, before the loan was accepted and signed the insurance was increased to cover the aspected loan needed. However, because of my husbands XXXX XXXX, we were not able to sign the loan and once I had a chance to look over the loan we decided that the loan was not right for us. 
However, while we didnt sign for the loan the insurance was do in XX/XX/2022. While I worked to get the insurance back to the original amount, I believe BSI paid the increase in escrow. In addition, I called and had my insurance to send the mortgage BSI a copy of the corrected declaration page and the corrected amount. 
In addition, our mortgage is paid through a company called XXXX XXXX XXXX where our payments are deducted from our checking account every two weeks. And we have not missed a payment. Our account number is # XXXX. Also, the way we pay, which is every two weeks a year. We pay an extra two payments a year. So why do I owe Two late payments? It start in XX/XX/2022, I received a statement on a extra payment was necessary To be made. Once again my payments are taking out by autopayplus and distributed to BSI. so how am I two payments late now, which is a total over {$3900.00} but with no explanation why. Now they have sent me a loss mitigation to file with them. I dont understand why the insurance has not been corrected and why and how do I owe more money. 


Please let me know if this is good with you, so that we can resolve this issue quickly. This letter is to resolve the issue between BSI MORTGAGEand XXXX XXXX. You can contact me by email at XXXX anytime or by mail at XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. 

Thanking you in advance for any inconvenience this may have caused you. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation