Arbor Residential Mortgage LLC Mortgage Complaint

Arbor Residential Mortgage LLC Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Iowa

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. Not having an assumption process in place as a servicer is also not aligned to FHFA servicing requirements, or those outlined under the CFPB requirements. They advised since they do not have a formal process, my only option is to refinance my loan, which is unfair, and deceptive practices in my opinion. They want to push my into a refi process to potentially charge me additional points, fees etc, which I am not the least interested in and have advised them accordingly a few times. They then sent me a letter for loss mitigation options, which I am also not interested in what


with me on the issue. I am not sure if they as a smaller servicer, are also held to the same standards to manage a complaint process as set forth with requirements under the O.C.C., National Servicing Standards, CFPB requirements or by FHFA. The only time they respond to me is if I initiate another email to them online. I have let them know they had until last Friday, - to contact me with an acceptable solution based on what my loan is eligible for based on my origination documents, which is well over 30 days from when I contacted them, followed up - different times to work through the issue. I advised if they have not contacted me, like they have not been, my only other option is to escalate this issue to FHFA, you FHLMC, the CFPB, the O.C.C. and my state AG. They have not upheld requirements for all of these agencies to support an assumption process, have used unfair/deceptive practices to push me to products I do n't want/need, all due to their inability to service my loans to the eligibility/standards outlined in my origination documents I signed. Anything you can do to assist is appreciated. This is also all also documented in their online email site as well.