Consumer complaint received 02/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: First this is my XXXX issue with BSI. The last complaint I attached all the emails and lock out from being able to access information online and they have never addressed that. 
Now they are denying modification with inaccurate information. 

XXXX I received your letter denying my loan modification. First I have 30 days to appeal so I have until XXXX XXXX to appeal. I will be appealing please send out your forms for appeal. I will also be sending a copy of this email in mail as well as sending copies of this to the CFPB today online. As for having everything in writing and having proof of all that that is delivered fax and tracked to BSI. 

In regards to denial the loan mod using reason stating I rejected or denied or did not pay a previous loan mod that is false information. I know that your company tried to say that I did not honor XXXX from XXXX but BSI does not even have the correct information. I have copies of every email and every letter from XXXX. I never signed or rejected a loan mod from them. Reasons being they sent me a loan mod which was dated XXXX/XXXX/XXXX but was not sent to me til XX/XX/XXXX after XXXX. The contract stated it had to be signed and returned to XXXX by noon on XXXX/XXXX/XXXX other wise null and void which is illegal. Borrowers are to be given 14 days to accept or reject. They sent out a false and nullified on their own part contract. They did not overnight anything and just put in USPS and not until XXXX/XXXX/XXXX. I then went to them for months getting them to fix the dates and had lawyer file papers about them violating the CHBOR because they did with that. I have proof of everything also with the Ombudsman and his emails. They then were to send out updated forms and instead of doing that they sold this to XXXX. As stated in previous documents sent to BSI Financial, XXXX never once contacted me!! Not once did they return a QWR, return a phone call nor send my anything about a contact. I called in on XXXX/XXXX/XXXX at XXXX pm I can pull up all phone records and I have this call recorded so I still have that proof as well. What was stated on phone is XXXX sent over you loan modification forms for approval and they are still being reviewed. They were under review for 9 months between both and nothing. Even before XXXX owes for over payments on Escrow with phony force placed insurance to the tune of XXXX which I am still waiting for. So NO I have never been on a loan mod or rejected one. 

Secondly did you read my hardship letter. I do not have excessive obligations as my father has passed away and I am no longer paying his care which was XXXX a month and I am now XXXX. So I can pay the XXXX a month no problem. 
So to be honest I still have not spoken to you on the phone or had return calls back. I have requested in writing multiple times for a specific time you will be avail so we can discuss this with nothing back. I am just unsure why BSI is not willing to work with a borrower who wants to pay. Nor do you give me any other solutions, such as repayment plan, forbearance. I am wanting to repay and reinstate. My brother and I are selling my fathers home and going through his finances, I will be getting a tax refund, I also just took a consulting job which will pay me an extra XXXX-XXXX per quarter. So instead of finding every way to not work with me why do n't you help find a solution. I do not agree with total that is stated owed nor do I agree with these random fees for XXXX I

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