Consumer complaint received 2019-02-21
Company: SN SERVICING CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
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

Company response to consumer: Closed with explanation