Consumer complaint received 2025-01-24 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: SN SERVICING CORPORATION
State: VA

Complaint narrative:
Throughout this crooked journey with SN XXXX, Ive been forced boot to throat to learn/educate one self in the legal side of all of this. The amount of stress Ive been forced to walk through is literally unhinged at this point.

Upon a whole bunch of researching and educating myself of predatory lending practices in the mortgage world, this particular company, I personally cant figure out how they cont. to stay in " business '' to operate. They DEFINITELY dont conduct their end of the business aspect. Earning a hard ended XXXX review in the low XXXX. This shady company and its crooked practices have attempted to literally XXXX, XXXX and XXXX  any kind of grace with " help '' as the business is so called ls structured to do. Representing a company called " XXXX XXXX ''. 
In which we have rec. little to nearly Zero paperwork or ANY communications from XXXX specifically. So after our loan being sold 5 TIMES sinces XXXX, it has landed with SN, the absolute so called sharks of the mortgage industry. Priding themselves of doing bare min. And isolating accts to the point of being locked. SN servicing is the flaunted front XXXX  in the matter. 
Since XXXX, My husband specifically has req. Detailed loan modifications that he was left msgs about ( it was ALWAYS about owing something no matter what and WHAT he was gon na do to pay it, a threat alot of times, just uncalled for nastiness ) that SN continues to this day, to overcharge us for EVERY month ( due to literally being locked out our account in order to pay, partial, communicate, or any other matter ) Which forces one to literally call and call when its been pretty clear either the lack of picking up for connection in phones or the deliquency is drug on & on throughout a work week. Forcing one to stop and having to waste so much time at work attempting to get anyone to pick up phone line.The couple of times they have called have been or left just plain down right nasty, rude and yet again LACK of any knowledge in the situation at hand. Just typical snarky comments from assumptions of their own, that weve been forced later on to learn as to maybe WHY one would be so hateful from the jump. Ive been forced to witness a grown man hit his breaking point over a non residented XXXX party servicing business who has the spine prided on deceit, lack of info, locking of accts, and riding each states time clock to forced foreclosure. Being a bully. 
My husband the XXXX time this happened because im pretty positive, the XXXX attempt was an illegal one, foreclosure that is. The XXXX time acct was unlocked for a brief period. We did what anyone else would do, set up a date deposit ON TIME, and agreed loan amt. Purposefully, we later found on our own and w/o communications that SN locked the acct for 8 MONTHS for snide petty reasons of their own. So Sn representatives could/can take it upon themselves and for whatever their personal reasons maybe, have the power to lock accts on purpose. Causing havoc on a customers end. XXXX. With little to no communications. Even through Usps communications, several days of communicable mail findings can snowball and put XXXX behind pretty early. We thought we had been paying all along. This sent us into yet again ANOTHER forced attempt at forclosure because SN flat out refused ANY kind of half or partial payment to get caught back up. Cause we tried every which way we thought we knew. Of course, finally getting ahold of a live person, its always been, No, you pay in full. Thousands of dollars at a time. SN forcing us each time to shove their manmade created drama ( then to current ) to shove their issues off on a specified law firm that ALSO obviously doesnt have a firm grip of understanding on Virginias predatory practices. That Virginia isnt as lienient and XXXX. So the very clear predatory practices between SN Servicing ( the XXXX  ), XXXXXXXX XXXX XXXX XXXX XXXX wont be taken lightly. 
( I highly encourage anyone to Just XXXX SN Servicing at this point and you can see plain as day that the review findings alone will back what I have sadly been forced to report ) SN is not, has not, and will not push myself, my children nor my spouse out of our home under false pretenses no matter what or who they set up from XXXX to pay online and assume they have won. I will state. Im not leaving. PERIOD. 
THEY low key have set up through forced forclosure under each and every acct that they have bought/accrued through this XXXX XXXX business. 
The amt of " late fees '' accumulated from a LOCKED acct. is appalling. From second attempt to now XXXX attempt of forced forclosure is to the point of breaking alot of daily life. We were also force placed with their insurance supposedly. PROOF in pics bc weve been charged ALOT more than what palers state. Instead of communicating with either of us, my husband especially, SN chose to silence, restrict phone communications and so many more red flags, it would take the rest of the day to explain. 
I will clearly state this so it is noted, The paper trail AND original loan info never matches. There are SO many names, branches, services... businesses thrown around, at this point, who knows whats going to who or what. The few voicemails from some not nice " XXXX XXXX '' has left of forced attempts of illegal loan modifications to pay WAY more than we should or agreed upon very early on with SN Servicing. Our loan papers also state partial payments of any sort CAN be made. Why is SN taking things upon themselves as if they have the power to legally do so to lock anyone out of paying, attempting to catch up or at the least communicating. So they can/will snatch their home/property. 
All XXXX forced forclosure attempts have been, CURRENTLY are being done digitally or online so to speak. Living rurally, and on back wooded roads, people you dont know randomly showing up to your home is a HUGE red flag, not to mention threat. Its not taken lightly in these parts of the XXXX. SN Servicing CONTINUES to neglect to communicate in ANY way, shape or form as to WHO they may have hired or what not to represent them, the forced placed insurance we have no information on what so ever or anyone else for that matter. Weve placed signage for trepassing and bc of supposedly listing forclosure consecutively in " newspaper '' for XXXX weeks ( per state ) Ive been followed, CHASED through back roads for miles by men I dont know nor never have met, and men continue to randomly " show '' up at my home, while alone most times. Leaves me no choice but to claim my stake and arm one self SN Servicing is not forcing XXXX to do anything but a court date since they believe this will all take place upon the XXXX of XXXX and being done so digitally, swipe a XXXX sq ft home and several acres used as equity ORIGINALLY, so easily. Which very well only forces my next step in this predatory company. A stop has to be, needs to be and heavily looked into the misleading, mischevious, deceitful tactics that SN prides themselves as of current. We have paid this loan approx XXXX times the amount as of current. Theres got ta be a breaking point somewhere. The turmoil from this matter alone is SO unnecessary, uncalled for, and so untrustworthy. 
If i have to be the sole standing alone because of this breaking point, so be it. But you can not force folks to be, do come up with or any other matter w/o communications. 
Lastly, its only fair to mention that the THOUSANDS of dollars my husband ( sole provider ) has been for to borrow, scrape up, XXXX XXXX XXXX who knows which XXXX, they tend to play each others fiddles at this point. Putting blame, neglect, lax communications on each other to ride the time clock to forclosure. But THEY force you to get a cashiers check and have it routed to multiple places. With again, zero explanation, theres ALOT of red flags obv. Someone isnt seeing or looking at within the business terms and aspects of the US. Since SN seems to be using the same crooked tactics in many other states as well as mine

Company response to consumer: Closed with explanation