Consumer complaint received 2025-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SN SERVICING CORPORATION
State: NH

Complaint narrative:
This iteration of the mortgage took shape after I came out of XXXX XXXX XXXX  protection in XXXX, XXXX. 

The loan payments were all up-to-date in XXXX, XXXX, as confirmed by my XXXX XXXX 

I was, by XXXX, an XXXX  widow. I have apparently fallen into the logarithm of " old widow borrowers most likely to be unable to fight extortion by the lender. '' By the beginning of XXXX, I was contacted by company of which I'd never heard. The XXXX XXXX part of my mortgage disappeared and the entire mortgage was then owed to a different, unknown to me, company. Their representative, XXXX XXXX of XXXX XXXX XXXX XXXX contacted me and said I owed a very large debt based on escrow payments that were short of what was needed between XXXX and XXXX. I knew this was false. I requested the annual escrow accounting. After a prolonged lack of response, XXXX XXXX sent it : THE ACCOUNTING SHOWED THERE WAS NO SHORTFALL ON ESCROW FROM XXXX TO XXXX. XXXX kept saying their accounting department would explain. They haven't, because it was a false assertion. 

However, threatened by XXXX that they would call the mortgage, he suggested a several year monthly increase ( a LARGE monthly increase ) that would cover the amount they said would be due while the company conducted a review of the situation. There has been NO SATISFACTORY explanation since that date, although for XXXX years I have been paying the higher amount. 

This company morphed itself in XXXX, XXXX, later into a very slightly different name. 

Things over these years since have been worse and worse : fees charged that aren't due them, false allegations of nonpayment ( I HAVE EVERY MONTHLY PAYMENT DOCUMENTED< THEY HAVE ALL BEEN PAID BY XXXX MONEY ORDERS ( CASH FROM ME ) AND PRIORITY MAIL and I have the documentation!! ), accountings ( when actually produced by the company ) that are inscrutable ; this bizarre system of NOT CREDITING THE RECEIVED PAYMENTS AS ARRIVED, BUT PUTTING THEM IN ABEYANCE AS THEY CLAIM THERE ARE OTHER DEBTS DUE???? ; their own delinquencies in paying the house insurance and extra fees incurred. They have gone back XXXX XXXX lenders to assert there were other fees due to other lenders that weren't paid. ( This is also untrue, as the XXXX  XXXX discharge proves there were no other debts owed in XXXX, XXXX. ) Over the course of the time that XXXX XXXX XXXX has XXXX the loan, I have made every payment every month, without exception! However, the company has flooded me with additional charges ; provided accounting that is unintelligible to any sane person ; lost some of my payments made ; added an exorbitant amount of ADDITIONAL DEBT that is not owed them ; changed the date that they calculate my escrow to XXXX when the small town budget reveals the accurate amounts due just after XXXX, thus raising the escrow beyond what they will need per year : all this is hidden in accounting that is MEANT to make it impossible for me as the borrower to follow their chicanery. They regularly send bills that are terrifying, saying I owe more than {$XXXX} BEYOND the actual amounts I owe them. 

Please help me. This company is deliberating increasing my debt so that, when I die, they will be paid in the XXXX 's of thousands more than what I owe. This is a horrible scam of the elderly and, frankly, it causes more anxiety and fear than I can adequately explain to you.

Company response to consumer: Closed with explanation