Consumer complaint received 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a dispute because I can not add to my previous dispute. I sent in all documentation for loan mod. I was then requested to send in additional documentation with letter received on XXXX/XXXX/XXXX. I faxed on XXXX/XXXX/XXXX and did not receive any response that it had been received. I also called and left 2 voicemails for SPOC on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating I sent over documentation. I then refaxed on XXXX/XXXX/XXXX and I also sent overnight via XXXX to atten XXXX XXXX on XXXX/XXXX/XXXX. It was signed for the next morning. Yet on a letter dating XXXX/XXXX/XXXX from BSI/XXXX XXXX which was received XXXX/XXXX/XXXX It stated that they did not receive the XXXX documents requested. This is obviously untrue and I am attaching all documents proving that with the tracking info and fax confirmations. Again this is violating the laws of dual tracking in California. I have also requested numerous times by email, voicemails, faxes and mail to have XXXX set up a time for phone conversation because voicemail is all that I get. I have kept records and recorded all messages I have left with dates. Per lawyers request as well. I am tired of getting the run around on this. I have disputed random charges of XXXX they are claiming and the total amount that is due. Because between XXXX to them all I wanted and requested was to modify so I can make monthly payments or reasonable repayment plan. I can make payments my finances prove that but due to XXXX never contacting me after XXXX QWR ; s or sending me any monthly bill nothing has been done. I will not accept over charges but will pay my monthly bill. BSI took over the loan and that also means that the responsibility of correcting statements when I prove what is owed. I am also including all of the emails to set up online access and customer service that has never received a response since XX/XX/XXXX. I am also including the only monthly statement I have received from BSI which has no information on it. These are all proof of violations that I have copies of. The XXXX subsequent words ) was ignored because we limit queries to XXXX words. 

















Did you mean : Some common violations of the XXXX include : ( a ) dual tracking, XXXX b ) robo signing, ( c XXXX failure to acknowledge receipt of loan modification documents within 5 days, and ( d ) failure to appoint a single point of contact for loss mitigation efforts. In our opinion, these are all " material '' violations I can make monthly payments and I am not asking to modify to pay less than my monthly payment. I do not agree with total BSI states is in arrears and have mailed in writing that fact. I want the arrears to be modified or put into a reasonable repayment plan. House is still underwater 9 years later and I have kept it going entire time and do not plan on leaving house. There have been XXXX houses same model not selling in over a year either in neighborhood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation