Consumer complaint received 2015-09-25
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan number is XXXX. I filed a complaint with office of the comptroller of the currency, YOU, and now my account manager explicitly told me that he will not talk to me and have closed my file due the complaint I have filed. Looks like I am being punished for enrolling your assistance in this matter. Now, as a result of your help, no one at the bank is talking to me, giving me any status. They are now moving toward foreclosing my property without a review. The sale date is set for XXXX am trying to get a modification thru my lander. My loan was/is a FHA loan. I qualify for FHA-HAMP. However, in the middle of review my bank XXXX XXXX XXXX XXXX ) transferred the loan to BSI financial. BSI stopped all review and is now telling me that my loan has been transferred to an investor who is not participating in hamp program. How can they change things in the middle of a review and suddenly my loan goes from being qualified to XXXX to not being qualified for XXXX? Does n't that seem like an underhanded thing to do? The internal change in the status of the loan and investor seems like a fraud and unfair. Can they legally do that and foreclose on my home? Could you not do anything about it? 

My servicer is participating in hamp program. As per per treasury guidelines, XXXX XXXX. XXXX XXXX, XXXX XXXX that a reasonable efforts are required by XXXX participating servicer to reach out to a investor for an override or a waver. Under XXXX XXXX. Dir. XXXX, effective XXXX XXXX, XX/XX/XXXX, the servicer must write to the investor requesting a waiver at least once. THEY HAVE NOT DONE THIS. I have asked for this over and over and over again and they have simply told me to go away, short sale the property or they will foreclose. 

In addition, I sent out a RESPA, QWR, to them on XXXX XXXX, XX/XX/XXXX They have completely ignored my RESPA request. The RESPA guidelines are very clear on how the lender must handle the request and timelines. BSI financial is ignoring all those guidelines. It seems that they are slapping us in the face, thumbing their nose at your agency, treasury department and intentionally. As if they they are counting on me, a helpless consumer, not being able to do anything since I do not have resources to match their deep pockets. 

I am hoping that you, a governmental agency who supposed to help us helpless people, is able to do something about it. I would like your help in stopping this bullying by BSI financials and help us stay in our home. We have the income to qualify for a modification and most certainly my FHA loan qualified for FHA-HAMP modification. PLEASE, PLEASE HELP MY FAMILY. AFTER WE FILED A COMPLAINT WITH YOUR DEPARTMENT, BSI FINANCIAL STARTED TO BULLY US AND BECAME MORE ABUSIVE. We do not know who to turn to or what to do. 

We are begging for your help in stoping this abuse and bullying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation