Arbor Residential Mortgage LLC Complaints

Arbor Residential Mortgage LLC consumers have reported over 236 official complaints. Out of the 236 consumer complaints against Arbor Residential Mortgage LLC, 18% were disputed by the consumer (i.e. the consumer was not happy with how Arbor Residential Mortgage LLC responded to their complaint) and 98% were processed in a timely manner. 0% of consumer complaints against Arbor Residential Mortgage LLC resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.

Get Help

Get personal financial help today. Free tools, recources, and support you need.

Help Me

File a complaint

Submit a complaint with the Consumer Financial Protection Bureau today

File Complaint

Stop Phone Calls

Stop harassing phone calls, know your rights and what you can do to stop them

Stop Calls

New Arbor Residential Mortgage LLC Consumer Complaints


Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

September 26, 2016 - My mortgage servicer, Seneca Mortgage, allegedly paid my property taxes on -/-/2016. It transferred my mortgage to a new service shortly thereafter. The county I live in claims it has n't received the payment nearly a month later. When I call Seneca, I ca n't reach a live human to get information on the disbursement. If I enter my old account number, the automated system just forwards my call to the new servicer, who does n't have any details about the alleged payment except for date and amount....

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

June 17, 2016 - In the beginning of 2016 my escrow balance was up, I was out of the country and did n't receive notification then in - I did pay at time, the same amount of money of every month, in - I received a statement that my payment was n't applied and my fee for late payment was $190.00 This is a predatory and unjust way to make business and going against the consumer. ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

May 31, 2016 - I called SENECA Mortgage Servicing at -. There is no option to talk to a live person which is ridiculous. I am calling about a fee charged on my account and there are absolutely no options to talk to someone. Is n't that a requirement of a loan servicer? ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

May 19, 2016 - Seneca Mortgage is a loan servicer for -. They collect the loan amount as well as hold money in escrow for taxes and insurance. Seneca Mortgage frequently changes the monthly amount owed in order to collect late fees - I automatically pay my mortgage the same amount monthly. Seneca will then make harassing phone calls that we have n't paid our mortgage in full and access a late fee. This is incorrect. We 've payed the mortgage and they 've changed the amount owed for taxes and insurance and then issue a late fee. I have requested that Seneca Mortgage no longer collect our taxes and insuranc...

Read more

Arbor Residential Mortgage LLC Mortgage loan modification,collection,foreclosure

May 11, 2016 - In - my mortgage monthly payment increased dramatically, causing me a hardship which led to eventually not being able to afford a mortgage payment. -/-/-, - - started a foreclosure process against me. Months later a different bank - started to send me collection letters. Now, a company Seneca is requesting payment from me for my mortgage. In -, I tried to do a loan modification with - but it was denied. Then, in -/-/- submitted - other loan modifications which were denied without specific reason with -. In - -, I submitted another application with Seneca...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

May 9, 2016 - Issue Seneca Mortgage Servicing : Seneca placed insurance on my property even though I had property insurance already - I got my loan -/-/2015 and I proved I had homeowners insurance when I got the loan. In -/-/- they tell me they were " sending me letters '' which I do n't believe I received asking for more " proof of homeowners insurance. '' I did n't see a letter from them in the mail. I also had no phone call about the issue. Seneca then increased my mortgage payment and my payment was on auto-pay at my bank so I did n't see it. Then Seneca began reporting me as not paying on time t...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

May 6, 2016 - On -/-/16 Seneca Mortgage Servicing debited our escrow account in the amount of $3900.00 to pay property taxes. On -/-/16 we refinanced and paid our loan in full. We also made a payment of our property taxes at that time. I contacted Seneca Mortgage at the time of the refinance and was told that the escrow money debited for property taxes would be refunded to us. On -/-/16, I contacted Seneca because we had not received the refund of the money debited from our account. I was told that Seneca could not reimburse us until the property taxes had been paid to the county and the...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

April 15, 2016 - My loan was transferred to Seneca Mortgage Servicing LLC ( NMLS ID - ) effective -/-/2016 from another loan servicer. The Seneca Mortgage Servicing LLC transfer letter indicated I could use my bank 's bill pay program for payments. However, Seneca Mortgage Servicing LLC rejected - bank bill payments scheduled in - 2016. I called Seneca Mortgage Servicing LLC Customer Service on -/-/2016 and -/-/2016 after the - payments were rejected. The explanations provided by - ( -/-/2016 ) and - ( -/-/2016 ) in Customer Service were not consistent with the t...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

April 11, 2016 - Seneca Mortgage Servicing is infringing on my rights as a senior citizen ( over - ) to pay my real estate taxes in accordance with Texas law section - which allows taxes to be paid in - equal amounts due -, -, - and - without penalty or interest. I 've been doing this for the last 14 years with no problem. On -, I received a letter from Seneca regarding non payment of delinquent taxes even though I was on schedule and my taxes were being paid. They gave me 30 days to contact the office for resolution. I contacted their office on - and they informed me that Seneca had...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

April 5, 2016 - Hello, I 'm in desperate need of mortgage intervention. I 'm a senior home owner with fixed income. I 'm having a big problem with my lender. I 've have my home for 26 years. Back in 2009 my sub- division suffered a devastating flood that affects the value of all property in the sub-division. For the past three years, I have family illness that causes me not to be able to make my $1200.00 mortgage payment. So, I reached out to my lender Seneca Mortgage Servicing, LLC, out of New York. I reached to them to let them know that they need to lower my principle or to re-finance my mortgage because...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

April 4, 2016 - During a Chapter - status ( -/-/--/-/- ) my mortgage company changed their name and address without notifying me or my attorney. Thus causing many of my mortgage payments to arrive late incurring fees, fines and penalties. Only after the discharge of my chapter -, was I informed of the new name and address changes. Several telephone contacts failed to resolve this issue. They were unwilling to remove or forgive the unfair late fees, fines and penalties but offered to " ... spread out the outstanding balance over the remaining life of the mortgage or attached it at the end ... ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

March 29, 2016 - Seneca Mortgage LLC has mismanaged escrow funds for my mortgage from what I 've been able to gather Senca made double payments to my property insurer on file as part of maintaining my Escrow. They then sent me a vague letter informing me I was to receive a check from my insurance company which I was to cash then send on to Seneca. I never received a check from my insurer so I assumed Seneca resolved their own problem until I discovered they are now attempting to charge late fee 's because the Escrow account is now in arrears. ...

Read more

Arbor Residential Mortgage LLC Mortgage loan modification,collection,foreclosure

March 20, 2016 - I 've tried numerous times to sell my house via a short-sale and the bank has n't responded. Next, the mortgage company that handled my mortgage was bought out by Seneca Mortgage Company. While working with a HUD Housing Agency, Seneca Mortgage Company was giving the HUD Housing Agency the run around. I believe my house has went into foreclosure. What are my options? ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

March 19, 2016 - On -/-/16, I ordered a billpay payment from - - - to pay $2300.00 for my - house payment. It normally takes 2-4 days for the billpay payments to get to Seneca Servicing to be credited, and there is a 15 day grace period, and it is simple interest, so it does n't matter if I am early or late on my payment, the same interest is applied. I have used billpay for over 5 years, and they never miss payments. Seneca has not credited my payment, and I contacted them to find out why. They claim - holds my money for a week or longer after they take the funds out of my account to ma...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

March 19, 2016 - In - - my ex husband and I purchased a home. The mortgage was with - - - and he was the only one on the Note. I was not used to secure the loan or added as a co-borrower. -/-/- we modified the mortgage and again I was not used to secure the debt and they did not consider me financially responsible for the debt. In -/-/- I believe the mortgage was sold to -. We got divorced and the house was to be sold. I listed the house, - was reporting it to my credit. During the process of selling the home it was discovered that I was not on the original Note and - had been...

Read more

Arbor Residential Mortgage LLC Mortgage application, originator, mortgage broker

March 16, 2016 - seneca this mortgage servicing is on my credit report, It belong to my hubsand who is decease. so they put it on my report. my name was not on this mortgage. ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

March 14, 2016 - My home loan was sold from one mortgage company to another. the first mortgage company was -. The loan was then sold to Seneca mortgage. Upon taking over my mortgage Seneca forced me to increase my loan payment to cover what they thought was a shortage in my escrow account for taxes. The taxes had been paid at closing of the original loan. I contacted Seneca and attempted to explain this to them, including sending them documentation of checks cashed by and closing statements proving the funds had been paid. Seneca still required monthly over payments from me. After calling them on three dif...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

March 8, 2016 - I am a first time home buyer. I bought my house -/-/- and I just received a shocking bill of paying back into an escrow account. My payment was lowered to $2100.00 -/-/- I called and was told twice that I was paying everything I needed. I have my payment auto drafted and now they want me to pay almost $13000.00 or $3900.00 a month when my payment is & -. Seneca mortgage is a scam and is unfair. I called and asked about this issue not once but twice and was told everything was fine. As a first time home buyer I would like everyone to know I feel cheated and lied to. I would b...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

February 25, 2016 - I work for - - -. My mortgage payment is issued from my account at - -. - -, 2016 a check was cut and sent from my - - account. The check was cashed by Seneca Mortgage with my Seneca Mortgage account number stamped on the back. - - I was informed by Seneca Mortgage on the phone that my check was never received and if it was not received by - -, 2016 I would be charged a late fee. I obtained a copy of the cashed check and faxed it to Seneca Mortgage. On - -, 2016 at -, MST, I spoke with - who informed me everything was fine, the check was found...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

February 18, 2016 - It is about Escrow balance last year. I moved in to my new house -/-/2016, the escrow that they hold was about $9000.00 to pay for Home insurance and property tax. The - tax that they pay was only $500.00 and Homeowner insurance is only $810.00 dollars. They send me analysis that I have big balance and it is going to be refunded to me by -. It is now middle of -, I still did n't received the money. I called and send several emails, they said it is process and takes 7-10 business days. I am getting no where with Seneca Mortgage Company. ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

February 14, 2016 - Seneca Mortgage has messed up our home loan since - - the very first month and has taken almost two years to resolve a payment dispute of - payments from - and - - when the payment - up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from - Bank as well as us, they still claim we owe this and theres always another excuse or ac...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

January 27, 2016 - Have not been able to access my account info for several months with little to no help from Seneca mortgage servicing co. I can not access the account via the web or through phone calls which is next to impossible to get someone to talk to you over the phone the system is set up so you can not get hold of an actual human to get any information they are combative with you over the phone and after the first filed complaint there response was to send legal documents ( copies ) of what their rights are to collecting mortgage payments and foreclosing on loans none of this is at issue and wo n't fix...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

January 21, 2016 - My husband and I split our mortgage payment. We - made our payment, but mine was dated with last year 's date of 2015. - mortgage sent my portion back stating it had the wrong date. I immediately bill paid the payment. I received a late fee of $79.00 because my half of the mortgage payment was past their grace period. I tried to contact them via phone, but there is automated systems only. I contacted them via email explaining that my payment was n't late it was on time they returned it. That does not seem legal to me. Please advise me if this company can charge a late fee when they in ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

December 10, 2015 - This is a response for case number -. I am unable to gain access to the established account. To recap, I was diagnosed with - - around -. Initially, I did not have insurance. The medical costs placed me in a financial deficit that also resulted in pre-foreclosure. Through the good graces of the Florida Hardest Hit Fund, I was able to keep my home. - is the mortgager and - is the servicer. However, - sent me an account statement dated - -, - ( see attached documentation ) indicating that total amount ( arrears plus principal ) due was $28000.00. On - -, -...

Read more

Arbor Residential Mortgage LLC Mortgage loan modification,collection,foreclosure

December 9, 2015 - My late husband & I got what I thought was a loan but found out after he past that it was - adjustable loans from - -. The smaller of the - has been sold several times. The company who had it 8 years ago ( - ) & I had agreed on a settlement amount. I would sign a contract & send it & the money back & be free of the loan. I waited a week for the contract & then tried getting in touch with the loan manager, but her extension no longer worked & soon after neither did their number. A few months later I got a letter saying - was filing bankruptcy & there was a lawsuit against them...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

December 8, 2015 - First off my mortgage lender ( Seneca mortgage servicing ) makes it extremely hard to get hold a live person to talk to over the phone ... and the web sight has multiple issues with the access to loan information or the web site in general. when talking to a loan rep on the phone the refuse to give me account info over the phone and tell to submit a request in writing this has been goin on for months is there any legal action that I can take to resolve repeated issues with this lender ... this not an isolated occurrence there is a long list of complaints on the internet and there customer revi...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

November 15, 2015 - SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me - $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF - THEY ARE STEALING FROM ME. ...

Read more

Arbor Residential Mortgage LLC Mortgage application, originator, mortgage broker

October 16, 2015 - I am, a victim of predatory lending. I purchased home -/-/- with adown payment of approx. $30000.00 The original lender was -. A high 2 year fixed interest rate and was told that I couldrefinance after 2 years, loan was sold and when I tried to refinance, I refinance I was was was denied, I was told they paid too much for loan. Home went intoforeclose and was saved -/-/-. A audit company call me to investigate loan for aasking, fee of $1500.00. They suspect loan fraud. Please investigate ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

October 13, 2015 - My loan was sold to a different servicer. I set up bill pay with my bank. The new servicer rejected my first payment. When I called to find out why, they advised that they had received my payment but were rejecting it as their policy was to not accept bank billpay for the first payment after a transfer. I asked how I was to know that and the agent referred me to my welcome package. We reviewed the welcome package together and the agent, and a supervisor, confirmed that nowhere in the welcome package did it indicate that a billpay payment would be rejected - the instructions even provide a r...

Read more

Arbor Residential Mortgage LLC Mortgage loan modification,collection,foreclosure

October 13, 2015 - My mortgage was transferred from - - - to Seneca Mortgage Servicing. While at - - -, I was approved for a HAFA short sale and ready to close. I have the closing package as well as the approvals. As of today, I still have cash buyer ready to purchase. I also have a hard equity lender willing to do a short payoff refinance. The short sale did n't close out previously because title could not be cleared due to liens filed with the municipality and an erroneous blanket wild mortgage filed on every parcel on my block by a different lender. I have been trying to resolve my foreclosu...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

October 8, 2015 - I am formally requesting that AMS remove the 30 day late reported on my credit report as it is INACCURATE. For account number AMS SERVICING INC - we were never late during the month it shows on the report, please delete the 30 day late reported as it is incorrect and see my proof of payment that I made to the previous mortgage serviser! ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

October 6, 2015 - my mortgage includes escrow however my mortgage/servicing company, Seneca, has not paid my property taxes and I have called repeatedly and faxed in a copy of my tax bill. - quarterly payments have not been paid to dat. ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

September 22, 2015 - Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment. ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

September 22, 2015 - My mortgage servicer, Seneca Mortgage Servicing ( Seneca ), maintains an escrow account to pay certain expenses on my behalf, including property taxes. My county property taxes are due in - installments, the first of which is due on - - of this year. I have emailed and called Seneca repeatedly to ensure they know the correct amount of taxes to pay, that there will be a 5 % fee for late payments, and that they will pay the taxes on time. I have asked whether, alternatively, I should pay the first installment and seek reimbursement from the escrow account. They have only responded once ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

September 22, 2015 - My original mortgage account with - was transferred to Seneca in -/-/-. -/-/2015, I received a call from Seneca demand payment, up until this point I have no knowledge of this since I did not receive any notice from -. I immediately contact - and for the next couple weeks I had called - repeatedly trying to get the transfer letter so I know whom, account #, and where to pay. They finally emailed me the letter on - -, 2015 ( I have the original email from - ). Since I did n't know the account number and where to send payment ; I continued to pay the original mortgage...

Read more

Arbor Residential Mortgage LLC Mortgage loan modification,collection,foreclosure

August 27, 2015 - I have submitted almost all of the documents to Seneca, spoken to their representatives and have explained why some documents are not in accessible, to no avail they have denied my request for a modification and have informed me I will need to resubmit everything again. I feel this is a stall tactic for reasons I do not understand. ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

July 25, 2015 - Seneca Mortgage Servicing has been repeatedly using our principal reduction payments as future payments and taking the interest when all money should be applied to principal reduction. Our account has been notated to show that ALL ADDITIONAL funds received in excess of the required monthly payment are to go to principal reduction only. Each time I have to contact them to reverse their change to our account and have the money applied as principal reduction as directed. This happened in -, -, - 2015. They appear to be trying to take the interest by posting the principal reductions as fu...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

July 13, 2015 - This is a continuation of complaint submitted last year - -/-/- - Case No : -. Lender is again sending threatening letters that they do not have a copy of my insurance policy when in fact they do have on file per conversation -/-/- Letter states that must provide proof of insurance within 10 days. Informed lender again that property is fully insured and there is no HOA policy in effect. ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

July 9, 2015 - To whom it may concern, I disputed more than - times on the phone regarding your request HO-6 insurance and escalated the insurance coverage certificate that I provided but your insurance team and servicing keep ping pong the issue each other and ignoring my proof insurance documents that the original mortgage company already accepted. My insurance agent told me that should cover the mortgage lender requirement based on the - guide line. It covers Walls-In and I do n't have any improvements in the house so the current insurance certificate should be good enough as attached. I discussed -...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

July 6, 2015 - We had our mortgage thru - - - and was paying $1900.00 on -/-/- our new statement went to $1600.00. In -/-/- our mortgage was sold to Seneca Mortgage Servicing and payment remained the same $1600.00 until -/-/- we received a letter from Seneca Mortgage Servicing stating as of -/-/- or payment was going to increase to $2200.00, unless we paid a shortage of $4000.00 plus add PMI back on which would still have our payment go back up to $1900.00. We had no clue what was going on so we called Seneca Mortgage & they said there was a shortage on our escrow whi...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

June 29, 2015 - In regards to CFPB Complaint # - : Seneca Mortgage Servicing LLC claimed that they ... previously responded to [ me ] regarding [ my ] complaint on -/-/15. We have attached a copy of that response for [ my ] reference. This is a false statement, as evidenced by the - mailing label which they provided as proof, dated -/-/2015, clearly showing that they did not in fact previously respond to me regarding my complaint. In fact the copy of the response that they reference which they attached to their CFPB response was the first time I had seen it. This just goes to show that Sen...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

June 28, 2015 - Seneca Mortgage Servicing Predatory PracticesSee - reviews for issues similar to mine - mortgage was transferred to Seneca and has never been in default. - withheld $0.00 for my county taxes and now has raised my mortgage payment by over $500.00 to cover their self-created shortfall of $3700.00. Seneca is also withholding insurance in escrow but is not paying the insurance, which I just paid in full yesterday - $1000.00 - to protect myself from Seneca. I am able to afford this increase but I am deeply concerned after reading those - reviews that other people might not...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

June 27, 2015 - Seneca Mortgage company called me and requested that I pay $750.00 immediately or my mortgage would go into foreclosure. They said they forwarded letters to me but I did not receive them. I called them and they informed me that I was also over $6200.00 short and that my mortgage would go up over $3500.00 to $4300.00. I paid the requested amounts ( - of 2015 ) but still wanted to know where the escrow shortage was. It appeared to me that I was paying off the flood and home insurance and hence requested that they remove the these amounts from the mortgage payments. They did not agree ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

June 26, 2015 - Company bought up mortgage from another company. As they are supposed to do, they did a escrow review, however, they used false and misleading numbers, thus triggering a refund of a portion of my escrow. I called them, and told them I believed they used bad numbers, they did n't care. Company then within 2 months did another review of escrow, this time they used real numbers, found I was going to be underpaid by a little less than the refund, and now are charging extra for the shortage as well as increased my escrow as I should. Complaint is that company did not handle escrow reviews correctly...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

June 21, 2015 - COMPLAINT REPORT OF SUSPICIOUS ACTIVITY POTENTIAL RACKETEERING AND/OR MONEY LAUNDERING This complaint is by and from family Date : - -, - To, WHOM EVER THIS MAY CONCERN/ WHOM EVER IN AUTHORITY REGARDING : - - and - , -. ( - - - For the Firm ), Attorney for - - BANK TRUSTEE, -. - -, - -, FL -, - - ( - - - - - ), -. - - -, - -, SENECA MORTGAGE SERVICING LLC, - - -, -, - -, - - - -, - - -, -, - -, - -, -. - - - - , -, -, - -,...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

June 19, 2015 - In -/-/-, our mortgage service agent, Seneca Mortgage, again informed us that they were changing their organizational agent. My mortgage payments were always automatically paid by our bank for many years. We have never been late. While in the process of changing the address and other information for the new agent with my bank, I was interrupted by a client emergency. After the emergency was over, I forgot to finish making the changes required by my bank. As a result, the payment for -/-/- was not made. We did not discover this error until the next month because when Seneca called me ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

June 3, 2015 - To whom it may concern, In -/-/- I refinanced my mortgage on my home for a better rate. This cost a good amount of money up front and I took a great deal of time in selecting the best option and company to purchase this new mortgage from. I eventually came to an agreement with - and received a Good Faith Estimate and moved froward with a refinanced loan I was happy with, though expensive to acquire, it was with -. Around -/-/- I was informed my monthly payment was increasing by $180.00 due to a shortage of escrow. My mortgage has escrow since my home is worth less than I paid...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

May 26, 2015 - My mortgage was sold to Seneca Mortgage and I had no idea until over - days after the closing. I 've researched my consumer rights it and I should 've been notified - days prior to this occurring not - days after. At that point there was no - payments due and the new mortgage company changed my due date to almost - weeks different than my prior due date. I have also asked them to only call my cell phone and not my office phone - times now and they still have n't called my cell phone and only call my office. By far the most frustrating situation I 've ever been a part of and f...

Read more

Arbor Residential Mortgage LLC Mortgage credit decision / underwriting

April 30, 2015 - I am wondering if you can assist me with filing a formal complaint regarding the servicer of my current - loan that is serviced through Seneca Mortgage Servicing. I have been actively trying to get them to provide me with their Assumption requirements for my loan since -/-/15. They originally refused to acknowledge my loan is eligible for an Assumption, even though all of my origination documentation states it is eligible for an assumption. They then had stated they do not have an actual assumption process in place to support eligibility requirements that my mortgage qualifies for. No...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

April 10, 2015 - On -/-/15 my house got damaged because of very strong winds. Per - - '' insurance the damage included the roof, ceiling of the living room, etc., in total amount of $11000.00. They quickly sent the check and instructed to contact our Loan company ( Seneca Mortgage Servicing ) for loss draft. Ever since -/-/15 I called them around - times, faxed and mailed out all the documentation they requested, however ; even though I have spoken to different representatives at different times, it appeared that they were just reading a ready script, repeating the same thing over and o...

Read more

Arbor Residential Mortgage LLC Mortgage loan modification,collection,foreclosure

April 2, 2015 - - year old women with - granddaughter living at - - - - - MO - is being foreclosed on having trying to get help with modification on loan. The foreclosure date is -. We were told at the time she entered into this mortgage thinking is was a loan to get a car. The mortgage officer gave her a mortgage on a house that was paid off 15 years prior. We are not getting any help keep her in the home from Seneca Mortgage of NY ...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

March 30, 2015 - I have now been a customer of - for the past year and have had a number of issues with your loan servicing. The - time with your company I have been assessed a late fee for a payment that was there before the deadline of the - or according to your customer service folks a day or - later if the - falls on a weekend or holiday. Regardless I use online banking with - - - for everything and it seems that this company is the only one with difficulty processing/crediting payments in a timely fashion. Last time I was told that the payment was in paper format and that was the d...

Read more

Arbor Residential Mortgage LLC Mortgage loan servicing, payments, escrow account

March 19, 2015 - I had a mortgage for - years with - - - My original payment started out at about $1600.00. The next year when the analysis was done they lowered it to $1400.00. They recently sold my mortgage to seneca mortgage and I have received a letter from them on - - 2015 stating that my mortgage will be going up to $1900.00. I called to inquire and was told that my escrow had a shortage and I could also pay the shortage in a one lump sum. I do n't have that kind of money. I then called - who sold my mortgage to seneca and was told that who ever did my analysis made an mistake ...

Read more