Consumer complaint received 11/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This loan has been causing issue after issue and I will attach all pertinent documentation as this has been an ongoing issue with no one fixing it and then loan being sold 4 times in past 20 months. First I have been in my home since XXXX/XXXX/XXXX. My loan was with XXXX and to start I have found where the broker did fraud on pushing this loan through and robo signed items. Regardless I kept up with my payments. I paid XXXX for this home. I found over charges of XXXX on orgination loan. In XX/XX/XXXX the value of home dropped to XXXX. So I was stuck and continued to make my payments. XXXX offered to modify the loan but because of drop in market and before they offered to modify the ARM they said I had to do a trial forbearance. During this time I was making all payments on time. Unfortunately the bank went under but the FDIC bailed them out and then spent 8 months going back and forth on modification because of the trial mod instead of being up front on how it worked they were reporting loan late every month and then told me the trial mod that I made all payments to they were requesting a lump sum payment of XXXX which was never stated and illegal. The FDIC approved mod but then I was given a bait and switch as they sold loan to XXXX. XXXX is where it got worse. To this day they owe me XXXX for not paying my escrow and over charges and putting force placed insurance on house when I had my own insurance and had to pay my own taxes as they were stealing from me. My taxes were not escrowed with XXXX and my home owners insurance was only XXXX per year and taxes under XXXX per year. XXXX was charging me XXXX for bogus forced placed insurance and XXXX for taxes and not once did they reimburse. This was an ongoing fight as I would continue to fight the escrow and they kept saying I was wrong until the point it pushed it to the point I was paying my mortgage but the escrow was out of control with bogus charges. I fought them and they tried to file a NOD then cancelled when I kept pointing out the charges I was due a refund and instead of giving that they sold to XXXX in XXXX XXXX. Dealing with XXXX I kept asking for refund but they just put my loan in mod status of forbearance while they tried to figure it out. While going on this period they did not allow me to make payments. I then received a loan mod offer from them XX/XX/XXXX I reviewed it still did n't receive status of XXXX in over charges from XXXX still not reconciled and when I called to go over they said they sold my loan to XXXX XXXX. XXXX never sent me anything. I finally called them in XXXX XXXX and they would not even give me what my acct # was. I sent them multiple QWR 's and zero response. In XXXX when I called she said XXXX sent them a mod paperwork but needed a form and they never sent me anything. Now it was sold to BSI Financial who just sent me a note saying they bought my XXXX/XXXX/XXXX. Then XXXX they sent plan to foreclose and within that 2 weeks time did not send me a statement just stating I owe XXXX when my loan should be XXXX on first I have XXXX loan as well. I have called multiple times and XXXX message back from XXXX assigned SPOC XXXX XXXX who stated in message he did not get back to me because I now have another XXXX but would not give name. To this date BSI has never sent a monthly statement or explained these so called charges they are trying to charge me of XXXX to reinstate my loan that has been kept in modification cycle of hell. XXXX servicers not servicing, keeping it in mod purgatory and not accepting payments, not following RESPA, stealing and not paying taxed, FRAUD, Securitization and not following California Homeowner 's Bill of Rights with BSI right now. Today is XX/XX/XXXX and I am overnighting again the loan mod info to BSI. I just want to make my normal payments which I can do.

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