Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC
State: OR

Complaint narrative:
I am filing this complaint against ServiceMac , LLC for gross negligence, failure to communicate, and unfair business practices related to my ongoing loan modification processnow resulting in a scheduled foreclosure sale despite my full compliance, significant equity, and good-faith efforts. 



Overview of Complaint I have been working with ServiceMac for over a year to resolve my loan through their loan modification process. This is my third attempt at completing a loan modification after two prior instances in which ServiceMac closed the file without notice or due process. In this third instance, I was told my modification was approved, sent updated paperwork, completed everything correctly, and submitted it as instructedyet they are now denying receipt of documents that multiple ServiceMac employees confirmed had been received. I am now being told the case was closed due to missing a deadline by a few days, even though that deadline was not clearly communicated and was made impossible to meet due to ServiceMacs technical failures and mishandling.

They are now attempting to foreclose on my home despite : Their own repeated mistakes My compliance and documentation My documented equity of approximately {$350000.00} My consistent communication and effort I feel this is a targeted and unjustified foreclosure, potentially in bad faith, and I am requesting that the CFPB step in immediately to halt this sale and investigate these actions. 



Timeline & Supporting Facts Early XX/XX/year> : I was told my loan modification was approved pending updated documentation. ServiceMac sent a new packet to be completed and signed. 
Late XX/XX/year> : ServiceMac provided a non-functioning download link for the required loan modification packet. I reached out multiple times requesting a working link. 
XX/XX/year> ( late afternoon ) : I finally received a working link and was told I had to print, sign, notarize, and send the packet via mail immediately. 
This was one day before the 3rd, in which was the day they CLOSED my already approved modification ( after a years work of hard work on this ). 
I acted in good faith, completed everything, and paid to have it expedited. 
XXXX XXXX ( XX/XX/XXXX ) : Due to the XXXX of XXXX holiday and notary availability, I navigated delays and had the packet notarized and mailed as quickly as possible. 
XX/XX/year> : Multiple ServiceMac representatives confirmed receipt of the completed, signed, and notarized packet on this date. 
Shortly after : I was notified my file was closed and the modification denieddue to them claiming the packet was not received by XX/XX/XXXX. They are now backtracking and claiming the packet was never received, which contradicts the prior confirmations I was given. 
Foreclosure Date Set : I was verbally told that a foreclosure sale is scheduled for XX/XX/year>, yet I have received no formal notice or mailed confirmation. 



Why This is Wrong I complied exactly as XXXX ServiceMacs own tech failures ( nonworking links ), lack of timely communication, and failure to honor the timeframe they gave me. 
I have made good-faith efforts for over a year to resolve this. 
I have substantial equity in the home ( ~ {$350000.00} ). 
Their actions are in violation of basic servicing duties, and Oregon homeowner protections against wrongful foreclosure. 
I have now been pushed to the brink by a company who offered me a solution and pulled it away at the last second. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



What Im Requesting XXXX. Immediate halt to foreclosure proceedings until this complaint is investigated and resolved. 
XXXX. A full review of the call recordings and documentation, especially the confirmation of receipt on XX/XX/XXXX. 
XXXX. That my previously submitted, fully executed loan modification documents be honored and processed as originally agreed. 
XXXX. An investigation into ServiceMacs compliance with loss mitigation laws, clear communication requirements, and servicing standards under RESPA, Regulation X, and applicable Oregon state protections. 



Final Note I am terrified of losing my home due to procedural errors not caused by me, and I have done everything I could to resolve this in good faith. Im asking the CFPB to urgently intervene and ensure that this lender is held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation