Consumer complaint received 2025-08-22 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I am trying to get a modification from SN Servicing Corporation the person that is handling my account is XXXX XXXX Account Representative. The reason I need this modification is do to a severe hardship in my life right now. The mortgage company refuses to work with me and keeps denying me and then told me if I do a modificationmy payment will increase to a much much higher payment. I don't understand that I thought a modification lower you payments to help you. I want to keep my house so I don't became homeless and they don't care. The person I have been working with keeps making impossible to get the modification. Here is the hardship letter that I sent to them. So can you please help me it would be greatly appreciated. I also was working with XXXX now dhe has not returned my calls or emails after she did tell me she was HUD certified and after her doing that to me I called HUD and they were no help. These company are a big joke they say we can help you and they do nothing to help you. Like I said they are a poor company. I would never recommend either company to someone.

Here is the letter to the SN Mortgage corp. 

Hi my name is XXXX XXXX I have been in my house since XXXX ( XXXX ). In XX/XX/XXXX my life was turned upside and this is why I am asking for help with my Mortgage payments and to keep my house. The major hardships happening in my life right now is my husband walked out on me after being with him for XXXX. He walked out 1 month after my first emergency XXXX hour XXXX XXXX. I had XXXX aka XXXX XXXX leaking out of my left ear, 2 holes in my eardrum and my brain was sitting in my ear. Now I can not hear out of my left ear. They also had to do XXXX on my jugular veins in my neck because they also closed up. Since then I have had XXXX more emergency XXXX XXXX one was to put a VP shunt in my brain to control the pressure on my brain and the XXXX emergency XXXX XXXX was because I was having an XXXX  on the brain. A blood clot traveled to my brain and I also had one blood clot traveling to my XXXX. I also fell into a diabetic coma. I still need to have 2 more surgeries and I have been diagnosed with XXXX cells in my body. I am very lucky to be alive right now. My husband has changed all the passwords to our accounts and will not give me the new passwords. To top it off I found out he is a XXXX man and has been cheating on me the whole time we were married. I do not have contact with my separated husband or know where he lives. He does still give me money each month and I do get XXXX. I have been getting SSDI for the pass XXXX because in XX/XX/XXXX I had XXXX XXXX XXXX to put in an XXXX XXXX XXXX XXXX valve in my XXXX. Also I take XXXX prescription medications a day. I just had throat XXXX on XX/XX/XXXX because I am having problems eating and it is causing me to gasp for air because the food is getting stuck between the back of my throat and my the XXXX ( windpipe ), which carries air to your XXXX, and the XXXX, which carries food and liquids to your stomach. Do to my poor health Conditions I am unable to work anymore and I am permanently XXXX for the rest of my life I am on Social Security XXXX. I did apply for California Mortgage relief program in XXXX and they sent me an email in XXXX that they ran out of funds and could not help me. I have been trying my hardest to get help with this situation. So that is how I ended up here. Now I have the fear of becoming homeless and being put on the street and no where to go. So I hope that you can help me keep my home by lowering my mortgage payments to make it affordable or a interest only payment for a couple of years putting my missed mortgage payments on the back of the loan or keep my mortgage payments the way it is and putting my missed payments on the back of the loan and getting my new house insurance. I also found house insurance for XXXX through XXXX which will lower my payments from {$800.00} to {$140.00} so it will save me {$650.00} each month. It would be greatly appreciated if you could work with me so I can save my house and not be homeless. I am so afraid right now so please find the kindness in your hearts to help a woman who has gone through so much in the pass 3 years. Thank you for reading my hardship letter and I want to keep my house. Please dont make me homeless with my health issues. This is the only thing I have left. I crying and begging you for help to keep my house. So please please help me. 
It would be greatly appreciate if you work with me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation