Consumer complaint received 2024-10-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BSI Financial Holdings, Inc. (IL)

Hello, my name is XXXX XXXX, I have lived in a property at XXXX XXXX XXXX in XXXX XXXX IL for about 10 years now with my mother who was the owner of the property, XXXX XXXX. Unfortunately, my mom passed away in XXXX of XXXX due to XXXX XXXX and I've been grieving since then. I'm her only daughter that's still living, my father and sister passed away in the XXXX and I have XXXX XXXX XXXX XXXX XXXX now. 
For the past 6 years I've been fighting to keep my home and now I'm at the end of losing my home due to lack of communication from the mtg company, attorneys I had hired to help save my home and paid them so much money for help. this situation put a big impact of me during the pandemic to the point nobody wants to honor we was going through a crisis and during that time I was in the process of turning things over to my name and being on the deed and they had me turn bills in my name gave me home insurance everything and when it was time to find out payments and signing agreements for them, the world had shut down due to covid19. I couldn't talk to anybody. The offices were closed for about a year and in half I couldn't do anything but to sit and wait. 
After things became under control, I got a notice in the mail stating a company named BSI FINANCIAL has my mother 's loan but also had me under XXXX : XXXX XXXX. I was told the loan was transferred over because the balance of the loan went up more but that was not my fault, I couldn't get contact with them during the crisis and had no way to make a payment. Mortgage solutions never gave me a heads up that the loan was being transferred over to BSI FINANCIAL. it just happened. I reach out to see what I can do to start the payments they gave me a very hard time during this process. They had sent out so much confidential information about me to do a modification which I thought I already went through with mortgage solutions and when I did send out the information to them, I wouldn't hear from them months later like they were taking their time getting back to me about my case. the balance of the loan was going up more to the point they were telling me false information. It was times I put out information to them stating this an FHA loan and it should be some type of help during the process. They were giving me false information saying I was not qualified, and it bothers me because I worked for my job for over 20 years now as XXXX. How come I'm not qualified for anything? I had more income coming in the house to help with anything with the house. I didn't understand why I wasn't properly helped and when I did ask those questions, they were saying they will get back to me and I wouldn't hear from them months later, no responses. and the balance just going up more to a point they say they couldn't help me at all. 
I've been through court for about another 2 years to save my home. dealing with XXXX XXXX at the XXXX XXXX XXXX which I appreciate so much for being understanding and giving me time to figure things out on how to save my home. I was not properly helping the legal way. I paid over 4 attorneys to help me. They didn't do anything but took my money, telling me not to worry but I was because things were not solved in a short time frame. I attended every court date and faithfully represented myself. I fought so hard and the mtg company told me at the end they want cash only and the payoff amount was at XXXX now in delinquency. 
My house went up for auction in XXXX of XXXX, and the banks bought it back and just want cash only. The mtg company was not responding to me. I was never on the loan. I do not owe any debt. I was just on the deed and the bills. 
so my question is i'm being penalized because of the offices being shut down during the time of me taking over the house. 
Can somebody help me with this. I have documentation and a paper trail of me having conversations with these people about helping me to save my home and they didn't. 
sincerely XXXX XXXX daughter of XXXX XXXX