Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I called in to SN Servicing to make my payment with the manager XXXX XXXX who tried to take the payment from another checking account that I was not my account making it look like I never made my payment then he did not answer the phone to make the correction until the month of XX/XX/XXXXXXXX XXXX as I inquired why was my payment put on another checking account that I was not on and why was this checking account number still on my account when there was a one-time payment mad on my account in XX/XX/XXXXXXXX XXXX of XXXX XXXX towards my principal this account should have decreased my principal to XXXX XXXXXXXX not XXXX XXXXXXXX this account information was kept on my account and was not authorized to be kept on my account. Because this error was made XXXX XXXX did not correct it instead, he avoided my phone calls and emails to correct this as the owner to the account reported this as fraud against SN Servicing as it was not my account. This was never corrected, and it appears as if my last payment is due for XXXX making SN Servicing appear in the right when in fact they are in error and have violated my rights.

I reported this to the state of Florida all correspondence in emailing and contacting XXXX XXXX since this error was made in XXXX. Please pull all public records this is not the first time, but the third time SN Servicing has done this and collected fees from me discriminated against me hostile retaliation as his manager XXXX is the one directing him to avoid calls for payments so i can appear to be in default. This company needs to be investigated I know I am not the only one they have did this to in the state of Florda as I was warned this is how corrupt they are and how they operate by other Realtors in the State of Florida. 
After speaking to XXXX XXXX in XXXX he told me he would correct this and waive the fees as he was in error and we could bring my account current but first his manager XXXX who I have had problems with in the past she would need to sign off on it, well XXXX didn't contact me although I knew he would not I called him back no response I ask also for a payoff amount as I was tired of chasing one person to make my payment they got my loan from XXXX XXXX for XXXX XXXX principle which came down because I paid towards that amount XXXX XXXX so my principle balance should be {$67.00} not XXXX XXXX there was not a month due on my account for XX/XX/XXXXXXXX XXXX because I paid 2 payments in XXXX of XXXX XXXX and {$2700.00} where are they putting my money again they took in the past a payment of mines and posted it to another account in XXXX and after correcting that they still charged me for their mistake they just waived this amount 3 years later. XXXX XXXX contacts me by email directed by XXXX the manager her stated would fix his mistakes and the company mistakes again. Now they are trying to use not allowing me to pay and the payment made in XXXX taken from another account against me as being delinquent and added foreclosure fees forcing me to do a RESPA because of their mistake and not allowing me to come current on my account. The account used the individual will press charges against them before they allow them to railroad me again for the third time. XXXX XXXX answers the phone after the company charged me XXXX XXXX to now make arrangements with me when I never needed to make an arrangement being XXXX i guess that's the conclusion however paying XXXX XXXXXXXX in two months was an insult from a XXXX XXXX XXXX let 's get more money from her this company employees discriminate because they don't themselves have homes me being in mines for 24 years don't register the investors are greed driven that's why they don't assist you in a pandemic they still charged our accounts during Covid19 which the world was affected and they didn't care all about stealing from the less fortunate to make the rich richer. I will continue to put in complaints and have others to fight for themselves as well.

I can prove all of these statements I am following every protocol I did everything I was supposed to do told by the Asset Manager all calls are recorded on their end and on my end as XXXX was supposed to pull the tape when I paid up my Mortgage in XXXX he told me I was due in XX/XX/XXXX and he lied and apologize for the mistake however didn't allow me to come current on my mortgage again XXXX tactics to cover up there mistakes. And get more money I was paying backwards with them each month they charge me for an insurance policy I pay for that's in their name again this company is not ethical needs investigation the investors who bought my loan bought it with a strategy to steal money from the homeowners ' hidden fees and you find out later they are charging illegal fees to your account.

I will put in a complaint on every illegal thing they do to be on record so this can get the Govenor involved with what is being done in the State of Florida by a company in
California. This is also being filed in the Federal Bureau of Investigations. God represents me and will always fight for what's right my rights will not continue to be violated by them. I need my payments from this company looked at from day one of my loan as they stated in the last complaint my principal balance was XXXX XXXX which was the amount they bought from XXXX XXXX 4 years ago and it's at a standstill. No attorney they have can win against the truth and God attorneys say whatever they need to say, and they lie very well.

Please have SN Servicing tell me why I wasn't able to pay my payments since XX/XX/XXXXXXXX XXXXXXXX when XXXX XXXX tried to take the money from another account, they were not authorized to keep on my account? The account they used she rich not me and I'm sure old or not she got enough education and money to sue them for fraudulent activity I encouraged her to please do so. They made me appear to be delinquent because they did not allow me to pay them, so what's driving them to discrimination and stealing from a XXXX XXXX XXXX  is the real question 3 years now from Covid19 devastation.

I know they have an answer that covers them and we want to hear it. Please forgive the long complaint but the details matter as they respond with short responses I must now put every complaint in to build my main complaint regarding them they owe me and God will assure they pay me and anyone else they have did this to discrimination and prejudice acts against the homeowners in Florida is a Class Action Lawsuit against SN Servicing and the Hidden Investors they can thank XXXX for the hate she disperses over Florida XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation