Consumer complaint received 2018-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

On XX/XX/XXXX SN Servicing Corporation received my loan from XXXX XXXX XXXX XXXX XXXX. Due the fact that the previous Servicer, XXXX, mishandling my account I called SN Servicing onXX/XX/XXXXto get an account number for paying my payment because the Transfer Notice from XXXX did not have one. During that conversation, I was told to send my insurance declaration, which my carrier had already completed because XXXX  and it was ready to be mailed because XXXX had failed to accept my hazard insurance until I wrote two letters of " Errors Resolution '' indicating in both that I had hazard insurance and for them to remove force-placed insurance on my loan. Before XXXX  transferred my loan, a customer service representative stated the force-place insurance was remove/paid? by XXXX XXXX XXXX XXXX the originator of my loan to XXXX. In fact, I completed a compliant on CFPB online compliant portal about XXXX placing force-place insurance on my loan, before transferring it. Their response was that they never placed lender place ins on my loan and they never disbursed any funds for that insurance ; they went on to say that I had XXXX XXXX ins on my loan -- -- - But when XXXX transferred my loan to SN Servicing, I received a Notice of Transfer on XX/XX/XXXX and a statement that " SN Servicing Corp will NOT continue to accept your insurance payments as a part of your monthly loan payment nor will it be responsible for the continuation of any such optional insurance coverage '' NOTICE that statement, they said they will no longer continue to accept my payments for insurance in my monthly payment. First of all, they only got the transfer of my loan on XX/XX/XXXX and I made one regular payment and they make the mistake of saying that they have been receiving payments for insurance from me on this loan. It is a lie and a continuation of the Fraud that I have been experiencing since XX/XX/XXXX. ( First with XXXX who transferred the loan to XXXX and now SN Servicing ) -- -- By XX/XX/XXXX I received a letter stating that there was a shortage of {$130.00} on my loan payment. Well that is the same amount that XXXX was attempting to extort from me and I do not owe it. I have had hazard insurance for 10 years with no lapse in coverage. SN Servicing have my declaration in their office and that was verified by their own admission in XX/XX/XXXX. So, I can only surmise that each of these Servicers are working in tandem with each other in an effort to place force place insurance on my loan even though I already have it. Or they are retaliating against me because I filed Chapter XXXX. -- -- On top of all of this, SN Servicing go as far as stating in their letter of XX/XX/XXXX, that their collection for the insurance, $ XXXX/mo is `` A STEP IN THE ENFORCEMENT OF A MORTGAGE LIEN AGAINST YOUR PROPERTY '', a treat if I don't pay a charge that I do not owe and a charge which is a FRAUD. They misrepresent the facts. They told me I have an escrow account. Well that was cleared under the previous Servicer. However, SN Servicing goes a step further and states that I have a shortage in my escrow account. -- -In fact, I do not have an escrow account. Before the transfer an error with {$1600.00} in an escrow account placed there by XXXX was I'm told, on XX/XX/XXXX by a customer rep at XXXX, that the escrow balance that had force place insurance it was {$0.00} ; This entire scheme is a scam to steal {$3500.00} in arrearage that I paid on the loan through a court order Plan for two months payments, which were to be applied to the loan principal and interest ; those funds were in a MISC account on XX/XX/XXXX and when the loan was transferred to XXXX ; -- -- -- By the time XXXX   transferred the loan, they pocketed {$2300.00} ( Since I don't receive any statements and don't know where that money went, they pocketed it until they tell otherwise and they can send me documents showing what happen to that money ) and they transferred {$1200.00} per SN Servicing customer rep. ; So the distraction for force place insurance is a cover up to stealing mortgage payments from my knowledge. SN Servicing is on board in the scheme and are waiting to pounce on my property. How can SN Servicing make the mistake that I owe money on a balance in a fraudulent escrow account when in fact those funds were paid by me through the court to be applied to my loan as stated above. While SN Servicing is harassing me and with extortion, they commit a crime by stealing funds I paid on my loan knowingly as of XX/XX/XXXX ; XXXX was prohibited from servicing mortgages in California in XX/XX/XXXXby the Dept of Business Oversight ; In a settlement due to servicing violations, they had to pay {$25.00} million cash payment before it could acquire new servicing rights. So, what have they been doing, using affiliates to collect their lender place insurance program on loans? I want SN Servicing Corporation, since they now have my loan to review my loan files and tell me how the total of {$3500.00} money I paid on the loan were disbursed on the loan ; tell me what happen to {$2300.00} that XXXX did not send to them. My guess is that XXXX used money in MISC account to collect late fees created illegally because they assessed me force placed insurance prior to the 45-day notice was completed and no 25-day notice was sent. They simply failed to use Regulation X procedures 12 CFR 1024 ( g ) ( G ) which states you cancel the force placed insurance ; if they incurred late fees, they eat it because they failed to follow the rules resulting in a shortage from the MISC account. SN Servicing need to get {$490.00} from XXXX  and put it with the {$1200.00} and add that amount which is {$1700.00} to my loan. -- -- Lastly SN Servicing customer service representatives are very nice and pleasant, and take care of your needs/questions. It's someone at the top who's -- the big guns who's doing the scheme and scam in my opinion. The customer reps don't know what is going on behind the scenes in the company. In one conversation with a rep at XXXX, I was put on hold and upon the reps return I was told that " they '' had been working on my loan on the XXXX, XXXX, XXXX and XXXX. Yes, what are you doing to my loan?? All telling. In their letter of XX/XX/XXXX, they say my mortgage adjustable rate changed and for me to refer to the one XXXX previously sent to me. What's they got to do it? XXXX  's adjustable rate change included force placed insurance a fraud ; I learned that my adjustable rate decreased and my regular payment is {$1700.00} instead of {$1700.00}. I haven't received a current adjustable rate change yet and they are required to send a notice. These three Servicers are in bed together and their goal is to foreclose on homeowner 's property through fault statements and misrepresentation in their correspondence, reporting fraud information to the credit bureau, threats, falsehoods, deception, breaking federal and state laws. Enough!