Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (FL)

I am filing a complaint against Wilmington Savings, trustee of XXXX XXXX and servicer XXXX XXXX. This is my second mortgage. It is almost impossible to describe the negative effects from the deceptive business practices, harassment and bullying I have received from them and their servicing company, XXXX XXXX. 
I was a hardworking, financially struggling single mom, without any help, for most of XXXX years. I am now a single empty nester in my senior years on a low income. 
I bought my home in XX/XX/XXXX as a single family resident on concrete foundation, not realizing it was actually a manufactured home on dirt foundation. It was not disclosed to me that it was manufactured with latent foundational Issues. But I was told it was past the statute of limitations for me to sue. However, Wilmington XXXX XXXX XXXX XXXX XXXX are trying to foreclose on my home after over 13 years since my last payment. XXXX charged it off 13 years ago, sued me for a monetary judgment XXXX. The note was cancelled XX/XX/XXXX. They waited 6 years, past the sol, to try to foreclose on me after the housing market rose. So if I can't sue the previous owner who did not disclose my home was manufactured because it was past the statute of limitations, they shouldn't be able to sue me because in Florida is 5 years but it's been 13 years since I defaulted! They got bailed out in the XXXX depression but they're trying to steal my home now.

I got XXXX sick from mold exposure XX/XX/XXXX because of mold and wood rot in the crawlspace. Not only did it cost a great deal of money to repair but I lost about 4 years of my life in my health, finances and social life. Though it took almost 4 years to get better, I still deal with issues which their bullying has exacerbated. 

They began harassing me again after many years while I was still severely sick from mold ; during which I lost two siblings, my last two aunts, my youngest son 's father died and my youngest brother is now a XXXX home resident with failing health. 

I was able to get my first mortgage modified in XXXX and tried to negotiate with my second mortgage but the plaintive wouldn't work with me. They charged it off and sold it as junk debt in XX/XX/XXXX when it was more than {$100000.00} underwater. They sued me in XXXX for a monetary judgment and the note was canceled. I was already struggling financially and was advised to file bankruptcy. They didn't try to foreclose until another 6 years because there was no equity. They've been lying in wait until the house market increased. Even then, my house was not worth as much as they claim because they don't want to disclose its a manufactured home. I allowed them to send a realtor to inspect my home in XX/XX/XXXX. They rejected her estimate ( at that time it was lower than my first mortgage ) because she listed it as manufactured. Plus it had about {$40000.00} of mold/ wood rot repairs that needed to be done again. They asked for pictures of the mold and wood rot and obliged. I sent them pictures in XX/XX/XXXX and XX/XX/XXXX that were taken by XXXX XXXX  along with their {$20000.00} estimate to resolve the mold and wood rot issues. That did NOT include mold remediation, repair and replacement of joist, subfloors, flooring and lower cabinets. 

Though they tried to bully me into selling my home, I could NOT subject another buyer and their family to what I went through with mold. They have been constantly threatening to take my home, exacerbating my stress and health issues, which also negatively affect my work and finances. The constant threat of losing my home has been unbearable at times.

I have tried to settle. I even offered {$20000.00}, as they had offered in XXXX and XXXX. But they didn't even respond. My attorney asked for a mediation in XX/XX/XXXX. Instead, in XX/XX/XXXX, their servicing company, XXXX XXXX, sent me a statement tacking on an extra {$30000.00}. I sent them a cease and desist letter and referred them to my attorney. But in XXXX, they sent me another statement with an extra {$10000.00}, almost doubling the initial loan. They have sent me a statement every month since, after almost 13 years of not sending a monthly statement. They know I have an attorney too. I also don't understand when the plaintiff admits the original loan doesn't exist why they're suing me on that loan. 

The term " zombie '' is accurate because this has been a nightmare for 13 years. 

Also, I've discovered through many sleepless nights searching the internet, it's not just me being bullied and harassed. Many hardworking Americans are being abused by companies like these in like manner. They know most of us don't have the finances, the strength or the knowledge to fight these giants. We've survived the last depression, health and financial issues, covid, losing many loved ones, the current inflation and they want to steal our homes for their own financial gains. A coalition letter was sent to Director XXXX XXXX at the Consumer Financial Protection Bureau ( by XXXX XXXX XXXX ) in regards to numerous companies like these who are violating the Florida Statute of Limitations, Fair Debt Collection Practices Act, the Real Estate Settlement Procedures Act and the Truth in Lending Act, in addition to other Florida and Federal laws. 
Thank you for considering the gravity of this case. I'm praying for relief not just for myself but for the many who are suffering from their harassment and financial abuse. 
Attached are supporting documents. The bpo is from a realtor I hired. The realtor they hired were in line with this estimate but they rejected and deleted it.