Servis One, Inc. Mortgage Complaint

Servis One, Inc. Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure California

This loan has been causing issue after issue and I will attach all pertinent documentation as this has been an ongoing issue with no one fixing it and then loan being sold 4 times in past 20 months. First I have been in my home since -/-/-. My loan was with - and to start I have found where the broker did fraud on pushing this loan through and robo signed items. Regardless I kept up with my payments. I paid - for this home. I found over charges of - on orgination loan. In -/-/- the value of home dropped to -. So I was stuck and continued to make my payments. - offered to modify the loan but because of drop in market and before they offered to modify the ARM they said I had to do a trial forbearance. During this time I was making all payments on time. Unfortunately the bank went under but the FDIC bailed them out and then spent 8 months going back and forth on modification because of the trial mod instead of being up front on how it worked they were reporting loan late every month and then told me the


day they owe me - for not paying my escrow and over charges and putting force placed insurance on house when I had my own insurance and had to pay my own taxes as they were stealing from me. My taxes were not escrowed with - and my home owners insurance was only - per year and taxes under - per year. - was charging me - for bogus forced placed insurance and - for taxes and not once did they reimburse. This was an ongoing fight as I would continue to fight the escrow and they kept saying I was wrong until the point it pushed it to the point I was paying my mortgage but the escrow was out of control with bogus charges. I fought them and they tried to file a NOD then cancelled when I kept pointing out the charges I was due a refund and instead of giving that they sold to - in - -. Dealing with - I kept asking for refund but they just put my loan in mod status of forbearance while they tried to figure it out. While going on this period they did not allow me to make payments. I then received a loan mod offer from them -/-/- I reviewed it still did n't receive status of - in over charges from - still not reconciled and when I called to go over they said they sold my loan to - -. - never sent me anything. I finally called them in - - and they would not even give me what my acct # was. I sent them multiple QWR 's and zero response. In - when I called she said - sent them a mod paperwork but needed a form and they never sent me anything. Now it was sold to BSI Financial who just sent me a note saying they bought my -/-/-. Then - they sent plan to foreclose and within that 2 weeks time did not send me a statement just stating I owe - when my loan should be - on first I have - loan as well. I have called multiple times and - message back from - assigned SPOC - - who stated in message he did not get back to me because I now have another - but would not give name. To this date BSI has never sent a monthly statement or explained these so called charges they are trying to charge me of - to reinstate my loan that has been kept in modification cycle of hell. - servicers not servicing, keeping it in mod purgatory and not accepting payments, not following RESPA, stealing and not paying taxed, FRAUD, Securitization and not following California Homeowner 's Bill of Rights with BSI right now. Today is -/-/- and I am overnighting again the loan mod info to BSI. I just want to make my normal payments which I can do.