Consumer complaint received 2021-02-06
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
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.

Company response to consumer: Closed with explanation