Consumer complaint received 2017-01-12
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I offered the, Deed in Lieu of Foreclosure, option in that, I would agree to vacate the property. 
I noticed on the, BSI Financial Website, that the company had a, " Cash for Keys Program, '' provided as needed. I asked about the Program, and was told that they, ( BSI Financial, ) would be glad to help. 
So, I mentioned a statement from the XXXX XXXX XXXX to BSI Financial, concerning, the Cash for Keys Relocation allowance, being raised from {$2000.00}, to {$3000.00} per property. 
Reference :. 
The Cash for Keys ' Relocation allowance is being raised to {$3000.00} per property ( from {$2000.00} ) to provide a greater incentive for, owners or occupants to voluntarily vacate a property. The new allowance is effective for all FHA insured mortgages for which a foreclosure sale or non-conveyance transaction is scheduled on or after XXXX XXXX, XXXX. 
BSI Financial told me that they could help, with the, " Cash For Keys Program. '' But, the loan was no longer FHA, and the FHA website information would no longer apply. The cash amount to help with relocation, would be determined by the new owner. BSI Financial said that they would have someone call me, and set up an appointment, to view, and take pictures, of the property. BSI Financial does not return my calls, and no one has contacted me, to set an appointment. 
Although the property is, no longer under FHA, my questions are as follows : " Why would, any company be, unfair, to those that are not under FHA? " And, why does BSI Financial, refuse to return my phone calls, when I voluntered, the, Deed in Lieu of Foreclosure, option? '' I had a, phone, conversation with a Representive, of the Hardest Hit Program. After considering, all, options, he recommended, the, " Deed in Lieu of Foreclosure, option? '' Using that option, we decided that I would no longer be, financially, able to keep the property. I asked him about the, " Cash For Keys Program. '' He said that the Servicer of the loan, would be the one who would handle that program. The Servicer is, " BSI Financial. '' I receive the mortage statements from, BSI Financial. 
After speaking with the representative from The Hardest Hit Program, I have been, dilligently, trying to make contact with BSI Financial, to discuss the, " Cash For Keys Program, and the, Deed in Lieu of Foreclosure. '' Although I have left messages, BSI Financial, has not returned my calls. I am XXXX XXXX XXXX, and I am living with XXXX XXXX. And, because, BSI Financial, evidently, does not consider, my situation, and they are causing, un-necessary, mental, XXXX, that is causing, anguish, and XXXX. I only want to be treated, as fairly, as any other, United States Citizen. 
I finally, called the Consumer Financial Protection Bureau, a U.S. Government Agency that makes sure Banks, Lenders, and other Financial Companies treat you fairly. They advised me to file a complaint, concerning, BSI Financial. 
I received a letter from, XXXX XXXX XXXX, stating that the final hearing had been moved from, XXXX/XXXX/XXXX, to, XXXX/XXXX/XXXX. They did not explain, why, it was moved forward. 

XXXX last, complaint : XXXX XXXX XXXX would not reduce any of the, principle, because, FHA, loans did not qualify. Now, because, BSI Financial, is not, FHA, they do n't have to follow any of the FHA, rules, regulations, or suggestions. 
" TO BE, OR, NOT TO BE, FHA! '' Why ca n't the finance companies, get on the same page? Not good practice! Inequality, prevails!

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