Consumer complaint received 2024-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Dear SN Servicing Corporation XXXX XXXX XXXX XXXX and any/all other affiliates of SN Servicing, I am submitting in writing to request, Dispute of charges, payments, and fees being brought against me and my husband Requesting a reinstatement of mortgage quote I am also requesting the name and address of the original creditor and all statements that were sold to you. 
The amount requested is not the correct amount due by me. I verbally and formally dispute the validity of this debt. I was out of work from XXXX to XX/XX/year> which caused me to get behind on payments and when I notified my previous lender XXXX XXXX, I was told that my loan had been sold to SN Servicing. I know I made payments in XXXX and XXXX with my income tax return. I wasnt notified until XXXX that my loan was sold. I tried reaching out to the new servicer which is SN Servicing and received a wild goose chase. I finally went on the website and created an account to make a payment and the make payment section was grayed out meaning I had to contact the company to make payment. So I started that process again in which I began emailing XXXX ( whom I disputed the amount with ) who eventually referred me to my Case XXXX XXXX, who I also disputed the amount with. 
Being a consumer and not knowing all of the laws, I decided to just try to cooperate since I was already months behind at that time and didnt want to lose my home. In XXXX, I asked about loss mitigation. I wasnt helped with that until XXXX. I submitted a loss mitigation application on XX/XX/year> and didnt get a response for that until XX/XX/year>. That first response was, I was missing some documents and needed to resubmit everything. I obliged and did what I was asked to do thinking I would be assisted. I was then sent a letter that was dated XX/XX/year> but did not arrive to me until XX/XX/year>. The letter said I was denied loss mitigation although I have an FHA Loan, they offered me none of my options under FHA. The denial reason was because Investors denied it. This is not a reason that falls under FHA Laws. I reached out to XXXX and I was given the option of shirt sale or repayment. I had previously offered to pay {$5000.00} right away and then make plans for the rest. XXXX denied that payment due to having the loss mitigation application in force. When I was presented with the repayment options, they offered me an amount and when I agreed to that amount, they denied it and increased the amount above the {$5000.00} that I said I had. 
This company has failed to provide me with any itemized documentation from the previous lender that shows that I was behind, they will not explain what caused my mortgage to increase from XXXX to XXXX. I am being threatened with foreclosure but yet they are following any of the FHA Guidelines that I qualify for as a protection of my loan. This entire process has been abusive debt collection practices. I have most of my communication between both servicing companies through email of which I have printed and have available. Once I made XXXX aware of my loan being FHA and that I was being treated unfairly and not given all of my options and even supplying her a copy that my loan was FHA, she decided not to communicate with me any further. 
Sincerely, XXXX XXXX CC XXXX FHA, XXXX  Consumer Financial Protection , AR Attorney General, XXXX XXXX XXXX SN Servicing Corporation have all received this letter of complaint and requesting of certain documents on XX/XX/year> @ XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation