Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
I have been in a hardship situation for 2 years. I was forced to stop making my mtg payments XXXX XXXX. I was in the process of a loan modification with XXXX XXXX XXXX whom is the servicer of my mtg. ( I think ) I was turned down last spring, because I did not have a job and I needed proof of income to make my payments. My situation has now improved, as I now have employment and proof of income to make mtg payments, so I opened up a dialogue again per XXXX instructions and with the law firm handling foreclosure on behalf of XXXX early XXXX XXXX. I was told by the XXXX law firm they had a mediation dept. that would help me work with XXXX to modify my mtg and help me get a more affordable mtg payment. On XXXX/XXXX/XXXX, I received a letter dated XXXX/XXXX/XXXX, from BSI Financial stating that my loan had been sold XXXX XXXX, XXXX. I was not sure it was real being a plain white envelop and paper with no letter head or verifying info. This was 3 weeks prior to my conversations with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL regarding a loan modification workout. Since I received that letter, I have spent days trying to find out the status of my loan is with no outcome. No one has information to give me an update and whom I 'm to talk to to stop further foreclosure actions now that I have the ability to get current and make my mtg payments. 2 days ago, I found my home listed for sale on a realtor website. I have not every listed my home for sale and I have confirmed through the county court that my home was never foreclosed on. I have not been able to determine who listed my home on the site. I wish to save my home and have worked hard to turn my life around and afford to live in my home. During this time, I was XXXX on XXXX XXXX, XXXX. I am desperately trying to start a loan modification prior to my XXXX and have communicated this to all that I have talked to asking for supervisors to help me. No one can find my loan and no one can give me any update or status as to what is happening. In the meantime, my home is filed with the XXXX XXXX in XXXX XXXX XXXX, Case # XXXX, for a foreclosure date to be set and I ca n't stop that progress while my mtg is unable to be found. I am hopeful the your organization can get involved and find out where my mtg is and help me find the persons/department that can talk to, to stop a auction sale while my mtg loan is processed by WHO?? I can save my home financially, but I have no one I can reach to start that process. Every phone number I 'm given takes me to either a brick wall or takes me back to the original place BSI Financial ( servicer ) or XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( new creditor/investor ). I can not reach anyone at the trust, XXXX says the trust has my loan and they do n't have access and BSI says they have no information. I 've gone in this circle for days. My XXXX is this Friday and I must have a home to recover in and I am prepared to do what is needed to save it now that my circumstances have change that will allow me to do so but I ca n't reach anyone and no one will try to help me even though I have explained my situation and ability to pay my mtg. PLEASE HELP ME! This is the craziest situation! XXXX and their law firm was negotiating with me on a loan they did not own anymore and the info sent to me explaining my rights and providing me contact info to call goes no where with no one that can help me. All the while my home is listed in the court system to sell at auction once " they '' who ever that may be, forecloses while I 'm having XXXX. I 'm told that I could come home and the locks will be changed and I 'm on the curb homeless while I have the ability to get current and make my payments. PLEASE SAVE MY HOM

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