Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding the unacceptable servicing of my mortgage loan by XXXX XXXX XXXX XXXX DBA BSI Financial Services ( " BSI '' ). The core issues are : A. Failure to Respond to Qualified Written Requests ( RESPA Violations ) : On XX/XX/XXXX, I sent BSI a detailed, proper Qualified Written Request ( QWR ) via certified mail ( Article # XXXX ), pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ). This request sought critical information to resolve disputes about my loan, including : Confirmation of securitization and the identity of the current owner/beneficiary. 

A complete transactional history and accounting of all payments, fees, and credits. 

Documentation of the chain of title and the original note. 

The status of several specific payments and instruments I had sent, including a significant payment of {$10000.00}. 
* As of the date of this complaint, BSI has failed to provide a substantive, complete response to this XXXX within the XXXX period required by law. * This is a clear violation of RESPA and deprives me of the information needed to understand who owns my loan and to verify the accuracy of the account. 

B. Failure to Properly Credit Payments and Provide Accurate Accountings : My records ( see attached Trust Accounting ) show a history of payments made. However, I have not received a clear, accurate, and complete accounting from XXXX that reconciles my payments with their records, applies payments correctly, and justifies all fees and charges assessed. The failure to respond to the XXXX, which explicitly requested this accounting, compounds this problem. Furthermore, BSI has not provided clarity on the status of a substantial payment I submitted ( remittance coupon for {$10000.00}, sent via certified mail ). 

XXXX Obstructing Resolution Through Non-Responsiveness : Prior to the QWR, I sent multiple communications to BSI attempting to resolve questions about the loan 's standing and provide documentation ( see attached " Notice of Merger, '' " Assignment of Equity of Redemption, '' " Notice of Tender '' ). BSI has either ignored these communications or failed to engage with them in a meaningful way that addresses the underlying questions about loan ownership, payment application, and account validation. 

XXXX. What Happened ( Chronology ) XX/XX/XXXX : Original mortgage loan originated with XXXX XXXX XXXX XXXX. 

XXXX : Loan serviced by XXXX XXXX XXXX XXXX and XXXX by XXXX XXXX XXXX ( per MERS record ). 

XX/XX/XXXX : I executed an " Assignment of Equitable Interest '' to the XXXX XXXX XXXX XXXX, of which I am Trustee, to formally separate and manage my interests. 

XX/XX/XXXX : I recorded a " Notice of Merger '' and " Assignment of Equity of Redemption '' with the XXXX XXXX Clerk, formally notifying BSI and the potential investor ( XXXX XXXX ) of my position and requesting a release of mortgage based on my legal analysis. 

XX/XX/XXXX : Having received no adequate response, I sent a formal RESPA QWR to BSI 's designated office via certified mail, demanding the information required by law to resolve the disputes. 

[ Current Date ] : More than 30 days have passed since the QWR was sent. BSI has not provided the legally mandated response. This failure blocks any possibility of resolving the account issues.

Company response to consumer: Closed with explanation