Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (OH)

QWR notice of Error : Att : SN SERVICING CORPORATION Loan : ( NEW ) SN Servicing Corporation XXXX ( OLD ) XXXX  XXXX Property : XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX Owner : XXXX XXXX XXXX Trustee Last 4 (  S.S XXXX ) 1. All of the insurance letters " Notifications of forced placed insurance state " we have purchased a lender placed hazard insurance policy to protect our interest in the property. '' I have highlighted this in yellow on all 3 of the letters that I have in my file as you know under 1024.37 Force-placed insurance can not be more than the investors interest in the property. Have her review all of the policies and get back with us whether they are compliant with the code. 
2. I had XXXX give me a statement on how there process works on creating an escrow account see letter for XXXX XXXX XXXX Escrow. The interesting thing here is that XXXX states that they will set up an escrow account if you do not have one already in place at which they did for the force placed insurance ONLY in XXXX for XXXX XXXX XXXX XXXX. Note this property at that time was still under a federal stay and XXXX  never notified anyone of their illegal actions. I believe because the insurance was inflated and illegal. So when the property was reaffirmed in XXXX and after the bankruptcy was closed in XXXX. 
3. XXXX not being able to collect the insurance premiums during the stay for the force-placed insurance added the property tax to an escrow account and on XX/XX/XXXX by paying off a tax contract on the property that I had negotiated with the XXXX county prosecuting attorney XXXX XXXX for the back taxes owed on XXXX XXXX XXXX XXXX. This was to be paid over a 3 year period and was confirmed in my Chapter XXXX payment plan by the court. 
4. As I stated in the confirmed reaffirmation agreement for XXXX XXXX XXXX XXXX. I was only to be responsible to pay back {$25000.00} of the original loan amount. The agreement states as follows The balance of the claim in the amount of {$51000.00} is an unsecured claim which shall be paid pro rata with unsecured creditors. I have enclosed a copy of my unsecured and secured creditors and none of the investors that executed a reaffirmation agreement on any of my properties followed up on the unsecured class XXXX claim. Per the court they should have petitioned the court to be added to the class XXXX payout so they were discharged at confirmation. See page 7 on the plan second paragraph The amount of allowed unsecured claims not provided for payment as set forth above shall be discharged at confirmation. 
5. On page 5 of the confirmed plan Class XXXX you will see the agreed order for the property tax contracts. If you go back to the ESCROW spread sheet that I included in the first scan you will see where XXXX paid off the tax contract in the amount of {$1500.00} and then added it the insurance escrow and demanded it to be paid in full. VIOLATION OF MY CONFIRMED PLAN. 
Conclusion is that XXXX has violated the confirmed Bankruptcy plan the CFPB 1024.37 Force-placed insurance code and the FDCPA by including my discharged debt in loan pay offs and the court case demanding me to pay it. This has caused me damages in attorney fees and time spent fighting these false violations costing me at this time more than I owe on the note. 

XXXX XXXX