Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have had the loan number XXXX, for my property, since XX/XX/XXXX and I have never been late on my payments until XX/XX/XXXX. I have submitted a hardship letter to XXXX on XX/XX/XXXX explaining the circumstances leading to my recent delinquency on the loan. 
BSI Financial Services acted in a very disrespectful, rude, nonchalant and nonempathetic manner. I have been ignored, stalled and lied to regarding the servicing of my loan. Upon checking the XXXX XXXX XXXX, the company is unaccredited with a C- rating. Here is the XXXX  comment, on BSI, on their website : XXXX  files indicate that this business has a pattern of complaints concerning : * * * Poor customer service ( e.g. inability to contact business via phone, long hold times, rude representatives, failure to receive return phone calls or emails, etc ). 
* * * General billing errors or failure to correct accounts in a timely manner * * * Failure to pay property taxes or insurance premiums, resulting in fees, fines, and/or additional costs out-of-pocket to the consumer. 

On XX/XX/XXXX, XXXX  submitted a written request to the company encouraging them to address the pattern of complaints. On XX/XX/XXXX the business provided a written response outlining their efforts to reduce and/or eliminate the noted pattern. To date, XXXX  has found that the business ' efforts have failed to adequately reduce or eliminate the noted pattern of complaints. 
Here are some illustrations about BSIs unlawful and unethical behavior in my foreclosure case : 1 ) No official notice of foreclosure was served to me. By Arizona law, I am supposed to be given written notice with return receipt, of my house going into foreclosure 2 ) Violations of the sharing of Personal Identifiable Information ( PII ) by : a. XXXX XXXX, XXXX XXXX, BSI Financial XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By publishing my PII information to the notice of pre-foreclosure, which produced a breach of my right to privacy where I have been solicited by 20, and counting, companies who would not have had my information 3 ) The Privacy Act 2020 Edition states in the No Disclosure without Consent Rule : a. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

4 ) Received no written communication from BSI Financial of : a. My property going into foreclosure b. No ledger statements of where my funds were applied for the past 12 months. I submitted a request, via email, for this information to XXXX on Wednesday XX/XX/XXXX and have not received an acknowledgement or a response 5 ) Last statement from BSI Financial dated XX/XX/XXXX, shows my total of {$30000.00} to bring my loan current. From my records, the total payment of {$14000.00} ( includes biweekly payments up to XX/XX/XXXX of {$7100.00} plus {$7000.00} that is sitting in my BSI payment account that has not been applied per an explanation from a BSI Customer Service Representative ) 6 ) I have no line of sight of where my total payment of {$14000.00} was applied and the calculated allocation of the funds. 

7 ) When I called BSI to enquire, why I had not received notifications they informed me that I had a Cease and Desist order in place since XXXX, XXXX but they did not hesitate to contact me, at least 4 times, with rebuttals to my enquiries. While I did request a Cease & Desist for BSI to stop their illegal & fraudulent activities, that did not include the required communications from them regarding the status of my account. 

8 ) I should not be held responsible to pay BSIs attorney fees as due process was NOT followed, I did not give written consent for my PII data to be shared with XXXX XXXX  or XXXX XXXX and I was not officially notified, in writing, with signature return receipt, within 5 business days of the filing. 

9 ) Given what I have stated in item 5 ) above, the total amount to be settled to bring my mortgage current is {$16000.00} ( {$30000.00} - {$14000.00} ). I am willing and able to make that payment. 

10 ) Since XX/XX/XXXX, I have, in good faith, made bi-weekly payments for a total of {$7100.00} in addition to {$7000.00} that has not been applied to the loan. Because they refused my payment that was sent in good faith, they are now additionally in violation of : XXXX. TENDER OF PAYMENT. | Uniform Commercial Code | US Law | LII / XXXX XXXX XXXX ( XXXX ) UCC Code 3-603 states if you send someone a payment and they REFUSE your payment there is discharge. They go into default. Because I in good faith send them an instrument to discharge a debt. 

UCC Code 3-604 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. | Uniform C Commercial Code | US Law | LII / XXXX XXXX XXXX  ( XXXX ) I submitted a loss mitigation application to request a loan remodification through XXXX XXXX and XXXX XXXX of XXXX on XX/XX/XXXX. BSI sat on the request for 2 months saying it was " under review '' and that they had halted the foreclosure proceedings. They informed us thsat they were not going to approve the loan remodification 2 days prior to my property going up for auction and that they were not going to change the date. Arizona law states that owner of the property has to be given 30 days notice prior to the foreclosure date. 

I was forced to file for bankruptcy XXXX  XXXX to stop the foreclosure. 
This ruined my credit and cause my credit score to plummet. 

On XX/XX/XXXX, I asked my bankruptcy attorney to request a payoff amount from BSI. I did not send a monthly payment in as I was waiting on this payoff amount. 
BSI ignored that and several other requests for the payoff amount. My lawyer had to threaten to take them to court. They finally answered, with the correct amount, on XX/XX/XXXX after refusing the payment a week prior. 

For

obvious reasons, I had withheld payments until the final payoff amount. BSI proceeded to report my account as delinquent for 30, 60 and 1
20 days late. 
Even AFTER paying off the loan, they still refused to remove these items from my credit report. As a result, my credit score is extremely low and I can not pay my bills or apply for a credit card with a decent interest rate. Several calls to them and they still have not helped me to rectify the situation.

Company response to consumer: Closed with explanation