Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

I am writing this on behalf of my client, who is being railroaded by BSI FINANCIAL SERVICES. I am doing this because I have firsthand knowledge of the unethical behavior of this servicing company. When I met her they gave her the run around on a loan modification for months and months until she had to ruin her credit and file bankruptcy to prevent foreclosure. Once I met her I engaged BSI to do a short sale and right away they started breaking local and federal laws. They first demanded to control pricing which they can not do because they do not own the property. I was threatened and told the list the property and unrealistic amounts. I was cursed at by XXXX XXXX, and at some point he called and intimidate the already frightened and pregnant homeowner. While the file received no offers despite me providing them evidence of large repairs needed on the property, they refused to drop the price so that I could secure a buyer. At the same time there was a pending foreclosure sale date. I had to escalate the file and make XXXX phone calls to convince them to postpone the foreclosure sale date. They only moved the sale date to XXXX/XXXX/2015. Now we are a week away from the F/C Sale date and once again they threatened me with the pricing of the home, even after I submitted what they asked for, which was XXXX repair estimates. I dropped the price when the repair estimates came in and an offer came in just {$4000.00} below the {$130000.00} they were trying to force me to list the property at. The rejected the offer, stating they now needed an offer of {$130000.00}. After that it became clear to me that they have NO INTENTION on fairly working on this short sale or accepting ANY offer, as they keep moving the target price and the terms. I have emailed them constantly to let them know agents viewed the home and did not move forward due to the condition of the home. In the meantime, the homeowner was so stressed out she went into early labor and almost XXXX XXXX, and in ( 7 ) days the bank intends to foreclose on her leaving her and her baby homeless. I have received offers but they want the same pricing as a repaired home. This is unethical, unfair, heartless, unscrupulous dealings, dual tracking, intimidation, and more. They also are trying to slip in some shady fees by forcing me to agree to them getting some sort of 1 % fees from the listing side. I read online that I should expect to receive an email message stating that I needed to sign an addendum to the listing agreement to assign XXXX of the listing side commission to a XXXX party ( XXXX XXXX XXXX ) for unspecified services rendered, plus a {$250.00} processing fee. Not only would they not explain what the 1 % was for, furthermore, by reducing commission -- and thereby increasing net proceeds on the Seller 's side of the HUD -- this could be considered a " rebate ''. Violating rebate prohibitions may be subject to civil penalties, may be considered an illegal kickback under USC ss 2607 and may be a violation of the Real Estate Settlement Procedures Act ( RESPA ). The homeowner is being railroaded, my broker is being railroaded, and I have to believe that there are laws that protect us from these types of dealings after the Federal Lawsuits. I have researched BSI online and wonder why this company is allowed to continue to do all the HORRIBLE THINGS i see other saying that they are doing.