Consumer complaint received 2020-02-03
Company: WSFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We original filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and part of the plan included Avoidance of the Junior Trust Deed. We successfully completed the Plan and on XX/XX/XXXX per the United States Bankruptcy Court XXXX  District of California we received our Discharge. 

Our Junior Mortgage had been sold to various companies ( they are all listed on the Notice Recipients attached to our Discharge ( XXXX, XXXX XXXX, and XXXX XXXX XXXX ) After we received our discharge we attempted to refinance but were notified that there was still a lien on our property. On XX/XX/XXXX I contacted XXXX XXXX  asking them about the Lien Release and sent them a hard copy of the information. 

In order to get refinanced I ended up having to go to the XXXX XXXX County Recorders Office and record our Discharge of Debtor After Completion of Chapter XXXX Plan as well as the Order on Debtors Motion to Value Collateral and Avoidance of Junior Trust Deed so that the lender could see that the Lien was released. 

I though the situation was resolved until we wanted to refinance our loan. We were notified that the lien was still attached. I went to the recorders office and found that the lien was not released. What I did find was that the lien which was released on XX/XX/XXXX had been sold to other companies. Most recently ( XX/XX/XXXX ) to Wilmington Savings Fund Society , FSB not in its individual capacity but soley as Trustee of XXXX XXXX XXXX a fact that I was never notified about. 

At the point my refinance is stalled. So on XX/XX/XXXX I wrote them along with the Title Companies listed on the Substitution of Trustee and Full Reconveyance, Aknowledgment, and Assignment of Deed of Trust. 
The list of companies notified are : XXXX XXXX, XXXX XXXX XXXX XXXX, and Title XXXX Per USPS tracking : XXXX XXXXXXXX XXXX XXXX received their letter on XX/XX/XXXX @ XXXX XXXX   Title XXXX received their letter on XX/XX/XXXX @ XXXX XXXX   XXXX XXXX  received their letter on XX/XX/XXXX @ XXXX XXXX   and it was signed by XXXX XXXX ) I did not receive a response from any of them. In the letter I sent to them I gave them 30 days to release the lien letting them now that on XX/XX/XXXX I would be going to the XXXX XXXX County Recorders to see if the lien was released. On XX/XX/XXXX I did go to the Recorders office but the lien still had not been released. 

Attached to the letter that I sent all of the companies I not only included copies of the Substitution of Trustee and Full Reconveyance, Aknowledgment, and Assignment of Deed of Trust but our Chapter XXXX Discharge and the Motion to Value Collateral and Avoidance of Junior Trust Deed. 

Once again I have not received a response from any of the companies involved. At this point my primary concern is XXXX XXXX since they currently hold the lien

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation