Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I invested a lot of money in my house and could not sell it because of some sort of paperwork problem. I filed a objection to the creditors proof of claim on XX/XX/XXXX requesting that the creditor submit proof of the pay-off of the XXXX XXXX XXXXXXXX XXXX mortgage that was refinanced by NJ Lenders on XX/XX/XXXX in dollars and cents paid. The case has been in Bankruptcy court ( XXXX ) for over a year now. Even though I am unable to work and permanently XXXX after a medical malpractice incident I have been paying double mortgage payments and property taxes and Trustee payments on time every month while I wait to find out what happened at the refinancing. My plan is to pay off the entire balance of the mortgage with the proceeds of the medical malpractice settlement. I was presented with a settlement offer that would completely paid off all the money the creditor claims is owed and the creditor simply will not produce any proof of paying anything at all. The creditors Proof of Claim is missing about 8 years of transaction and the claim starts out of the clear blue sky with no indication of who was paid and how much. All the XXXX XXXX XXXX XXXX XXXX ( XXXX ) show {$0.00} consideration was paid and no exemption filed. The objection that was filed XX/XX/XXXX clearly establishes that proof of the refinancing pay-off in the form of a cancelled check or wire transfer needs to be submitted because all the BCLR show that {$0.00} consideration was paid and that no mortgage lien was filed for my house located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I tried to get a Home Equity Line of Credit in XXXX long before any financial problems set in. I was denied a HELOC with a credit score of XXXX and about {$250000.00} in equity if I was approved and was able to borrow against the house just like anyone else would I would still have my XXXX credit score and plenty of equity to spare. I have no criminal record and have not had a moving violation since XXXX and have strictly abided by all laws. I went to several banks that didn't even take the application because they told me that you can't borrow against this type of property. I have a deed and a mortgage and never could figure out why I was denied the HELOC. I have been told that I bought the " XXXX XXXX '' The problem now is that EIGHT MONTHS after the creditor was informed of my objection I have not received what I requested and that is a copy of paying off the XX/XX/XXXX refinancing in the form of a cancelled check or wire transfer. The XX/XX/XXXX objection included that the creditor produce the property tax payments that were made to the XXXX XXXX XXXX  in the form of a cancelled check or wire transfer record to prove that my property tax payments designated to be paid to the XXXX XXXX XXXX  are actually paid to the tax collector as billed on my monthly mortgage statements. EIGHT MONTHS later I have received many irrelevant documents and no proof of paying off the XXXX XXXX XXXX XXXX mortgage as agreed and no proof of the property taxes being paid. When I was trying to sell the house potential buyers mentioned that there are no property taxes and I told them they were mistaken. THE BIG RED FLAG IS THAT I CAN'T FILED MY PERSONAL INCOME TAXES FOR XXXX & XXXX UNTIL THE CREDITOR PROVIDES THE PROPERTY TAXES PAID STATEMENTS AND THE MORTGAGE INTEREST STATEMENTS. I have repeatably requested the creditor to provide the IRS forms so I could file my income taxes and still have not received the property taxes paid and mortgage interest statements. I am a permanently XXXX American and have many challenges as I prepare to deal with the Hospital for Special XXXX 's recommendation to amputate my foot. The last thing I need is to pay-off the creditor claim and find out I can't sell the house and can't get any of the money I have invested in the house. The plan is based on paying off the house with the proceeds of the settlement and I found out that will leave money to spare. We are going back and fourth with the defense and trying to get what will be needed in the future and would like to get the mortgage issue straightened out before the disbursement and even though the creditor has been subpoenaed to produce the proof of payments they have not delivered what was subpoenaed and what they consented to. Please take a look at the attachments. I have scrimped and saved to live up to my end of the deal on this plan and the creditor has been served and consented to produce proof of paying anyone anything at the refinancing that was secretly closed with NON-MONETARY RELIEF I never though in a million years that this type of stuff would happen in the USA I have had many problems getting and receiving phone calls and emails and it has taken forever to get this matter resolved and would like to know what is going on before the next confirmation hearing scheduled for XX/XX/XXXX How am I going to get a plan confirmed with these delays. There has not been any delay in my payments and I still can't borrow a penny on the house I have invested in for over 25 years. This is very unfair. Please take a look at the attachments and see for yourself. How does this creditor get away with this, this is unbelievable.

Company response to consumer: Closed with explanation