Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
I am writing to you in the hopes that you can help. My mortgage company, BSI Financial, whom my mortgage was sold to has been causing continued harassment and grief. I am a single woman working to pay my house off and this company 's only mission seems to be to continue to make it more and more difficult to do this. I came to the end of a loan modification beginning 2015 and my mortgage became at an adjustable rate. I had been making payments of XXXX and now my payments are at XXXX a month. As this lump sum was difficult to make by the first of every month I called them and asked if we could break the payments into XXXX each month and was advised that this would not be a good idea, therefore I am only able to make the payments by the end of the month and keep in mind, each month I have and I have also attached a late fee with each payment. This is the only way that I have been able to make the payment in full each month. I, in the meantime continue to get harassing calls all month regardless of what I try to tell them about my financial situation. 

Approximately six months ago, BSI Financial calls and tells me my loan is going into foreclosure if I did n't come up with something like XXXX dollars, again, keep in mind I had been making my payment by the end of each month with the late fee attached and was up to date with my payments. When I called to inquire about this, I was told that the total of my checks had not been the correct amount and to be honest with you, the way that these bills read, I have not been able to determine what I owe each month. Therefore I simply look at the regular monthly payment on the bill with taxes and fees and add the late fee. 
Regardless of the fact that my check is there every month by the end of the month, BSI Financial is holding the check in the first week, sometimes two weeks into the month before cashing it and now, I learned that they are reporting to the credit bureaus that I have late payments on my mortgage. I have been trying of obtain a refinance on my home to get myself into a more affordable situation and not lose my home and not one bank will look at me because of this. 
Another example : I had applied for a personal loan from a company who needed to see that my home was current on mortgage payments and when they looked into it, BSI Financial was appearing online as my house being paid in full. When I call to ask about it, the response was oh, that was our mistake, we will take care of it right away. 
Currently, I just received a statement claiming I now owe XXXX and my payment is current up to the end of XXXX 2015. I have made several attempts to contact BSI Financial and am put on forever hold to the point where I have to hang up. 
I have looked this company up on the XXXX site and they are not even XXXX members. I looked up this company on the consumer affairs site and there are literally XXXX complaints with the same description of consumers confused about money owed, harassment, credit destruction. 
Can someone please help me! 
Thank you for your time, XXXX XXXX XXXXXXXXXXXX

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