Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SN SERVICING CORPORATION (TX)

Subject to an agreement reached at mediation in XX/XX/XXXX, I have been submitting payments to SN Servicing Corp. for payments against my home mortgage on a timely basis. A total of sixteen ( XXXX XXXX payments have been remitted by me and accepted ( and presumably applied to my loan ) by SN Servicing Corp. pursuant to the mediated agreement. I transmitted my payment for the XX/XX/XXXX mortgage payment via XXXX on XX/XX/XXXX to SN Servicing. It was received by them on XX/XX/XXXX. On XX/XX/XXXX, I received an envelope from SN Servicing postmarked XXXX XXXX, XXXX, which contained the check I sent to them on XX/XX/XXXX reflecting a stamp of " XXXX XXXX, XXXX, '' but without an endorsement. NOTHING other than my check was included in the envelope. I emailed SN Servicing on XX/XX/XXXX, for an explanation as to why my check was returned to my home address without any letter or other communication. On XX/XX/XXXX, I received an email from XXXX of XXXX Servicing acknowledging receipt of my check on XX/XX/XXXX, including this statement : " It seems that we did receive the check on XXXX XX/XX/XXXX, and it was held as the cashiers were processing end-of-month payments. '' NOTE : I believe my payment is to be credited by the mortgage servicer immediately upon receipt. The remainder of MsXXXX first XX/XX/XXXX email states as follows : " Our supervisor, XXXX, instructed the person that sent the check back to you to do so. However, she did not include the letter that was supposed to have been included with the check explaining precisely why it was returned. That was an oversight, and I do apologize for it. I am going to work on getting a copy of the letter that should have been included with the check, and I will email this copy as soon as I get it. '' At XXXX. on XX/XX/XXXX, I received another email from XXXX XXXX in which she stated that she was still working on getting that letter to me, and hoped to get it to me before the end of the week. However, her supervisor had informed her that he was working on my account through an attorney. ( XXXX in mind that they 've had attorneys working on the account since at least the first part of XX/XX/XXXX ). XXXX XXXX informed me that her supervisor, XXXX, would be in touch with me. I requested the full name and contact information for her supervisor. I emailed XXXX XXXX and the attorneys supposedly representing XXXX XXXX on XX/XX/XXXX, again requesting information regarding the check returned to me and status of the modification agreement. I have had no response. I emailed XXXX, XXXX and the attorneys representing SN Servicing again today. I have had no response from anyone. Yesterday, I received a purported monthly statement from SN Servicing which contained the statement, " Your account has been referred to an attorney to initiate a foreclosure proceeding. '' I have attorney 's bills which exceed {$35000.00} related to my efforts to resolve various mortgage issues with SN Servicing and their predecessors. I believe SN Servicing 's actions amount to dual-tracking ; accepting payments from me ( not to mention the real estate taxes and home insurance payments I 've paid ), while intentionally refusing to produce a modification agreement that comports with the agreement reached during mediation in XX/XX/XXXX. I have documentation which will support these statements, and will be happy to provide same.