Consumer complaint received 2017-02-02
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I purchased at home and due to us outgrowing the home decided to move XX/XX/XXXX and do a lease purchase. Because the economy was down I rented out the home I owned ( XXXX XXXX XXXX XXXX XXXX, Ga. XXXX ). The rental tenant trashed the home and the home has been vacant since XX/XX/XXXX. I agreed to do a short sale with XXXX who owned the home at the time and they declined both offers so I begun the foreclosure process but in XXXX the sold the home to XXXX and the foreclosure process started over. They stated in XXXX there were title issues getting correcting before they could foreclose. XX/XX/XXXX I filed bankruptcy to protect my credit from this property. XX/XX/XXXX the bankruptcy was discharged. The home was still not foreclosed on. In XXXX it was sold to BSI financial. I have reached out to HUD and HUD states they have already paid the claim on the property at XXXX XXXX XXXX XXXX XXXX Ga. and it should have been foreclosed on when the claim was paid in XX/XX/XXXX. I have tried to contact BSI Financial to request that they move along with the foreclosure and the person over our loan does not contact us back and the call center representatives state they can not discuss it with me. Somebody at BSI needs to discuss it with me as it is in my name and nothing is being done. I have sought legal advice and he did a title search and states there is nothing wrong with the title preventing them from getting it out of my name and proceeding with the Foreclosure. This has drug on since XX/XX/XXXX. The house has been broken into, it has been gutted of it 's copper wiring, and appliances have been stolen. I feel that this house is a hazard to the community and I wish for it to get out of my name so that number one I can move forward and repurchase again someday instead of becoming a permanent renter, and number two so that if someone gets hurt at the property of XXXX XXXX XXXX XXXX XXXX Ga, they can not come after me. Even though I am no longer responsible for the payments or debt, it is in my name and preventing me from moving on with my life. I have a family, I need to purchase a home and provide them with stability and I keep getting excuse after excuse as to why this home is not foreclosed and I 'm also concerned why if HUD paid the claim on the loan, why this was not taken out of my name then? The title issues that XXXX mentioned did not prevent them from selling it to BSI Financial and again the attorney said here are no real title issues preventing it from getting out of my name and foreclosed on. I have no access to a property in my name and do not wish to have access, but I do with for someone to have the decency to let me know when this foreclosure will take place and what the hold up is this go round. I lost a lot of money walking away from the lease/purchase I was in because of this property issue not being foreclosed I could not have XXXX FHA loans and I am having to rent homes and that is getting old when I have good credit and established employment and should be able to buy if they would foreclose on this property like I have been told since XX/XX/XXXX was taking place .... when??

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