Consumer complaint received 2025-11-26 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: SN SERVICING CORPORATION
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX ( formerly XXXX ) Mortgage Servicer : SN Servicing Corporation XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I. SUMMARY OF THE PROBLEM I am filing a new complaint because severe errors, misconduct, and possible fraud involving my mortgage servicing and foreclosure process continue through today, next court date is XX/XX/XXXX. My previous complaint ( filed XX/XX/XXXX ) was closed with an incomplete and misleading response from the servicer. XXXX complaint # XXXX I have discovered new evidence showing : The entity foreclosing on me is not the rightful owner of my loan. 

Assignments and transfers are inconsistent, incomplete, and possibly fraudulent. 

Conflicts of interest exist among attorneys, surplus-fund companies, and trustee companies involved in my case. 

My loss mitigation applications were repeatedly sabotaged, mismanaged, or mishandled. 

The service list in my foreclosure case contains incorrect, suspicious, and unauthorized emails and attorneyseven after I revoked them. 

My bankruptcy cases were mishandled due to incorrect creditor information supplied by the servicer and the HOA. 

A foreclosure sale was repeatedly pushed despite pending loss mitigation and the absence of proper ownership documentation. 

This situation has caused extreme financial, emotional, and legal hardship, and I am requesting an urgent CFPB investigation. 

XXXX. DETAILED TIMELINE ( XX/XX/XXXX XX/XX/XXXX ) I began investigating my mortgage history due to constant inconsistencies in what XXXX XXXX  told me. 

I discovered conflicting investor names, inconsistent loan numbers, and missing assignment history. 

I requested proof of ownership/chain of title, which the servicer never provided. 

XX/XX/XXXX I filed a CFPB complaint on XX/XX/XXXX. 

On XX/XX/XXXX, the attorney responded with a generic letter that omitted key issues and gave an incomplete history. I did not see the response in time to rebut it, and the complaint was closed. 

XXXX XX/XX/XXXX I received documents showing an erroneous email address listed for my HOAs attorneyan email belonging to an attorney involved in the original lenders foreclosure ( XXXX XXXX  ), not my HOA. 

I uncovered ties between : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Attorneys associated with my former foreclosure counsel ( XXXX XXXX / XXXX XXXX ) My former attorney stayed on the service list against my written revocation. 

XXXX XX/XX/XXXX I proceeded pro XXXX in the foreclosure and surplus funds dispute. 

I filed an objection to surplus fund distribution and obtained evidence of attorney misconduct and improper filings. 

I prepared for my XX/XX/XXXX hearing based on errors in chain of title and conflicting investor information. 

I continued receiving inconsistent statements from XXXX XXXX, incorrect balances, and unexplained fees. 

XXXX XX/XX/XXXX New documents showed : The trustee XXXX XXXX XXXX XXXX is missing proper chain-of-title documentation. 

The XXXX subordinate mortgage never transferred properly and can not legally be tied to XXXX XXXX XXXX XXXX. 

Loss mitigation documents were repeatedly lost or marked incomplete despite submission. 

Trial payments were misapplied or held in suspense. 

I learned the foreclosure firm and my HOAs attorney shared connections to the same surplus-fund companies trying to profit from the foreclosure sale. 

XX/XX/XXXX ( XXXX ) I obtained and reviewed the original mortgage documents, including the XXXX note and XXXX XXXX mortgage. 

These documents confirm that the foreclosing entity does NOT appear to be the legal owner of my loan. 

My case continues forward with improper parties listed, and XXXX XXXX has still not provided : A complete chain of title Investor authorization Correct servicing history A corrected escrow accounting An accurate payoff I now fear that the foreclosure process is being carried out by parties without legal standing and that surplus funds XXXX be targeted by third-party companies connected to attorneys involved in the case. 

XXXX. ISSUES & POSSIBLE VIOLATIONS XXXX. Failure to Provide Legal Proof of Ownership The servicer has not produced a complete, verifiable chain of title from : XXXX any intermediary transfers Lodge XXXX XXXX XXXX. 

XXXX. Suspicious or Fraudulent Assignments The assignments appear : robo-signed incomplete executed by individuals connected to foreclosure mills and surplus-fund companies XXXX. Failure to Correct the Service List Despite written revocation : Former attorneys remain on the service list Emails belonging to unrelated law firms remain This creates risk of interference and fraud XXXX. Loss Mitigation Misconduct Applications declared incomplete repeatedly when documents had been submitted Trial payments misapplied Conflicting information about investor restrictions Violates RESPA ( 12 CFR 1024.41 ) XXXX. Inaccurate XXXX XXXX XXXX account misuse Repeated escrow miscalculations Undisclosed fees XXXX inconsistencies XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX identity changed multiple times Incorrect arrears submitted This obstructed my ability to reorganize XXXX. Conflicts of Interest / Surplus Fund Targeting Evidence shows overlapping business relationships between : Foreclosure attorneys Trustee-related companies Surplus-fund companies XXXX attorneys I believe my home was targeted for foreclosure to obtain surplus funds. 

IV. WHAT I AM REQUESTING FROM CFPB Full supervisory investigation into XXXX XXXX 

A requirement that XXXX XXXX produce : Complete chain of title Investor authorization All assignments All payment histories All loss mitigation notes and call logs Review of : Misapplied payments Escrow errors Suspense account history Verification of the true owner/investor of my mortgage. 

Investigation of conflicts of interest involving attorneys, surplus-fund companies, and trustee entities. 

Assistance ensuring that improper foreclosure actions-stop until ownership is verified. 

V. DOCUMENTS & EVIDENCE I POSSESS I can upload : Original mortgage documents Subordinate XXXX mortgage XXXX and transfers Service list screenshots Emails and letters proving misconduct Loss mitigation submissions XXXX filings XXXX communications Evidence of conflicting investor information Evidence of improper surplus-fund activity

Company response to consumer: Closed with explanation