Consumer complaint received 2025-02-23 00:00:00
Product: Mortgage — FHA 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: SN SERVICING CORPORATION
State: TX

Complaint narrative:
The mortgage servicer that I delt with was completely fraudulent in their practices and withheld information to a government agency which is haf and by doing so had our mortgage default and sold at foreclosure sale and neither XXXX or our mortgage servicer refused to help us in any way possible I pleded with them in very way and to everyone I could and no XXXX wanted to hear me out, in XXXX husband filled for assistance with haf assistance due to him having a XXXX due to covid complications he was our sole proprietor as well as my mom 's XXXX checks we fell behind on our mortgage payments it took almost a year for the haf assistance to go thru but finally we did he was granted XXXX to our mortgage servicer to modify the loan terms bring account current and apply assistance payments to advance months to put us ahead it took the mortgage servicer almost 6 months to send us that modification agreement in the mean time they were doing XXXX knows what with the funds haf had sent, mind it they were sent in my husbands name and he isn't on the mortgage or deed then they brought it current paid off back escrow payments and then applied the rest to the principal balance according to XXXX no funds shld hv been applied to the account for any thing if the mod agreement was not signed and returned I didn't get it until months later and In the mean time we were alrdy falling behind again because they never applied funds to future months when I returned the mod agreement it took them XXXX months to answer my emails, calls and basically stated it was rejected because my mom, who is the only person on the mortgage ( I'm only on the deed ) signed with the wrong last name the mortgage had her married last name since then was divorced and we had sent them proff several times but they nvr did anything about it and stated they never got that information said she signed with her new last name which is her maiden name and is the name on her corrected XXXX card and driver 's license, I told her if she signed it with the other name in front of the notary then that would be fraud because it wouldn't match what's on her verification documents the asset XXXX with the mortgage servicer said well there is nothing we can do about that modification agreement it's since then has expired and was threatening to send XXXX their funds XXXX stated I XXXX to get with the investor but we can probably hv u apply for a new modification thru us so I did which I had no other choice to do so and told us she would go ahead and update the last name on the loan so when we send XXXX the docs there wouldn't be a problem and possibly rejected because of the different last name I explained why couldn't u just do that before and except the haf mod agreement she just stated well it's to late for that XXXX anyways, and she giggled and said look at it this way if I was doing my job right u wld XXXX lost ur house a looooong time ago, I was just in awh with that, then going forward they approved the paperwork to be reviewed for mod assistance they send us the mod agreement and it was for a higher interest rate then what we had in place and higher than what XXXX had offered in their agreement with higher payments and they wanted a ridiculous amount as good faith payments to start the plan and it was a trial period for a year which after that year they couldn't guarantee that the mod agreement would be permanent and we were signing for another XXXX at XXXX $ when our balance was only XXXX after they had applied the XXXX that XXXX had sent so at that point as a family we agreed that it was extortion and XXXX mail and decided not to send XXXX XXXX in stead to sell the property we tried to sell but they made it so difficult and unbelievably unfair so we seeked at that point intime legal advice to XXXX my husband send an email for them to cease and disist in the XXXX use of government fund that we're granted in his name so we did and the next thing that happened and was right in the middle of closing on the sale of the property they sent to the to the title company a new payoff quote of XXXX or XXXX when we were given a prior payoff that stated XXXX and the reason for that was they took the XXXX haf had sent, back to XXXX and told them that we never returned the XXXX loan modification agreement which we did but they denied it, then haf the same day they got the funds XXXX without even letting us go thru any kind of appeal process or prove our case that we did everything we had to they just used our funds to pay other cases they had pending and stated sorry there isn't anything we can do that program is already closed and those funds hv been exhausted they aren't accepting any new cases there isn't even a department I can transfer you to, so I kept have to email different people they kept forwarding us to and they all would say the same thing that the mortgage servicer stated we didn't send XXXX the agreement and so for that reason or funds hv been exhausted we weren't getting them XXXX and that the program we had got the funds from was closed even after I was able to get proff that we did send the mod agreement XXXX to the mortgage servicer they just refused to help they all literally stopped answering or telling me straight out stop emailing us there isn't anything we can do about it now, they canceled the sale the buyer backed out and then they stated I owed XXXX years of payments worth XXXX to bring current and a mortgage balance of XXXX with the foreclosure sale date a little over XXXX  months away that was even more impossible to achieve so we had no other choice to vacate the property after the XX/XX/XXXX foreclosure sale we had to lv displace my twin boys that had been raised there since they were born they are XXXX now and me my mom and husband had been there since XXXX  we had to drastically down since our belongings as well as our space and privacy we were defrauded by our mortgage servicer our mortgage investor and all the people involved at the haf assistance funding department or whoever it was that I pleaded by complaint to, they since then have placed the property on the market for XXXX way less then they were stating we owed on the updated mortgage payoff of XXXX and XXXX to reinstate the loan when I pleded with them that due to the condition of the house we would nvr get to sell the home for what the payoff was because it needed so much work but because we had been there for so long we had adapted to how it was and as well as the surrounding and people I pleaded that it would be in their best interest to allow us to stay and hv us to continue paying for it they refused and told us to vacate we had to literally be out by XXXX XXXX for XXXX all we had was heartbreak for us and our kids we lost all sense of security and our family 's health and XXXX  we'll being has XXXX  tremendously

Company response to consumer: Closed with explanation