Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
BSI told me that if I made 4 consecutive payments that I would be approved for a loan modification. Those payments were {$5000.00} in XXXX {$4600.00} in XXXX {$4600.00} in XXXX {$4600.00} in XXXX I made all of the payments. The last one was made at the end of XXXX. 

The specialist that was assisting me from BSI confirmed on XX/XX/XXXX that all was received and that The final modification agreement will be sent in about 1 to 2 weeks. I will call you once its sent. 

That did not happen. 

On XX/XX/XXXX ( a month later ) I emailed BSI and said it has been more than 2 weeks and we have not received the final modification. Their reply was We are still waiting on the escrow analysis. It should be sometime next week. 

On XX/XX/XXXX still no modification agreement. So I emailed BSI again and asked specifically. Are we supposed to simply send in an arbitrary amount for the mortgage or were we supposed to wait on the final modification agreement ( and escrow analysis ) for the NEW/proper amount? Again we have no idea since we have not received anything and also still do not have access to our account on the website. Their reply was.. The final MOD agreement was sent via Fed ex to you yesterday. You should get them tomorrow. You need to sign and notarize and send back ASAP. 

They purposefully did not answer my question about the mortgage payments! 

I received the agreement on XX/XX/XXXX. It said I had 14 days to sign and return. ( Still no mention of a mortgage payment or the amount being due ). 

They received the SIGNED document on XX/XX/XXXX. So logistically that would mean that the modified mortgage would naturally start AFTER I signed the agreement and they received it. That is not what they are trying to do. 

They are now going backwards and saying that I am behind on the mortgage because I did not pay for XXXX or XXXX while they were trying to get the paper work together. On top of that they are now threatening to escalate the mortgage for full payment ( illogical ) if I do not get it paid in by XX/XX/XXXX ( which is less than 30 days notice ). That is completely insane! Especially since I asked ( in writing ) about what amount should I pay if any while we wait on them to get their paper work done. And I did not get an answer. 

Not to mention no one from BSI ever called me in XXXX or XXXX to say your mortgage is behind. Nor did I ever receive anything in writing saying that XXXX or XXXX was behind. 

The agreement should be effective from the date that I signed - not the date after I made the last pre-modification payment. Nothing was official at that point because I had not signed it yet. The agreement was not in effect and had not been legally solidified until I signed the final modification agreement. Therefore my payment should be applied to XXXX. And I should owe for XXXX. 

I have all correspondence in writing. 

I feel BSI is being extremely shady in their business practices and I need your outside party assistance.

Company response to consumer: Closed with explanation